314 Gretna Ln, Winter Haven, FL 33880 Property Records

Polk County property record for 314 Gretna Ln, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,358 sqft · built 2006
Lot Size	1.12 acres (48,931 sqft)
Owner	2 Individual Names on Record
Last Sale	$188,000 (Oct 2020)
Tax Bill	$2,371 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`26-29-28-691002-000250`

Property Details

APN / Parcel Number

Primary APN	`26-29-28-691002-000250`
Alternative APNs	`282926691002000250` `82926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,358 sqft Living Area
Gross Area	1,776 sqft
1st Floor Area	1,358 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	48,931 sqft
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	418 sqft

Location & Zoning

Street Address	314 GRETNA LN
City	WINTER HAVEN
State	FL
Zip	33880-6161
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGE ACRES PHASE III UNIT 1 PB 107 PG 1 LOT 25
Legal Range	26E
Legal Township	29S
Legal Section	28
Legal Subdivision	RIDGE ACRES PHASE III UNIT 1
Legal Phase	III
Legal Tract	691002
Legal Block	4
Legal Lot Number	25
Legal Unit	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4050
Census Tract	14501

Owner

Source: Polk County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	314 GRETNA LN, WINTER HAVEN, FL 33880-6161
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2020 · Amount on Record
Deed Sale	Oct 15, 2020 · Amount on Record
Prior Sale	Aug 18, 2006 · Amount on Record
Deed Document Number	2020218998
Deed Book / Page	11416 / 857
Record Updated	Sep 20, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 15, 2020
Property Address	314 GRETNA LN, WINTER HAVEN, FL 33880-6161
Document Number	0114160857
Book / Page	011416 / 000857
Instrument Date	Oct 6, 2020
Instrument	218998
Transaction Type	Transfer
Record Updated	Nov 2, 2020
Title Company	SMART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,316.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	314 GRETNA LN WINTER HAVEN FL 338806161, WINTER HAVEN, FL 33880-6161

Mortgage

Document Number	114160859
Date	Oct 15, 2020
Book Page	011416/000859
Instrument	218999

Lender

Name	ALCOVA MTG
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2050

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,371.00 (-10.6%)	$182,435 (-2.85%)	$184,765 (-1.61%) Land $21,100 Building $163,665
2023	$2,652.00 (+9.23%)	$187,789 (+12.6%) Land $15,900 Building $171,889	$187,789 (+12.6%) Land $15,900 Building $171,889
2022	$2,428.00	$166,774 Land $13,456 Building $153,318	$166,774 Land $13,456 Building $153,318

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	115.8 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 97 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	97 in force
Nearby Flood Claims	8 (2004–2022)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 2 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 47% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20