3150 Crystal Beach Rd, Winter Haven, FL 33880 Property Records

Polk County property record for 3150 Crystal Beach Rd, Winter Haven, FL 33880

Property Summary

Property Type	Orchard (Fruit, Nut)
Details	3 bd · 3 ba · 4,077 sqft · built 2000
Lot Size	5.86 acres (255,453 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Apr 2021)
Tax Bill	$8,510 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Apr 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`25-29-01-356501-000020`

Property Details

APN / Parcel Number

Primary APN	`25-29-01-356501-000020`
Alternative APNs	`012925356501000020` `12925000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	4,077 sqft Gross Area
1st Floor Area	3,485 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Tile
Lot Area	255,453 sqft
View / Lot	Agricultural
Garage Type	Attached
Garage Area	592 sqft
Pool Type	Enclosed Pool
Porch	Finished/Open Porch
Porch Area	918 sqft

Location & Zoning

Street Address	3150 CRYSTAL BEACH RD
City	WINTER HAVEN
State	FL
Zip	33880-4990
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Orchard (Fruit, Nut)
Legal Description	BINGHAMS HILL PB 107 PGS 38 & 39 LOT 2
Legal Range	25E
Legal Township	29S
Legal Section	01
Legal Subdivision	BINGHAMS HILL
Legal Tract	356501
Legal Block	3
Legal Lot Number	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	3
Census Block	3012
Census Tract	14701

Owner

3150 Crystal Beach Rd, an agricultural property, is owned by two individuals who bought it in April 2021.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3500 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4988
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Apr 5, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2021 · Amount on File
Deed Sale	Apr 5, 2021 · Amount on File
Prior Sale	Feb 17, 1999 · Amount on File
Deed Document Number	202183820
Deed Book / Page	11650 / 459
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3150 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4990
Transaction Type	Mortgage
Record Updated	Feb 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3150 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4990

Mortgage

Document Number	0000198669
Date	Jul 30, 2021
Book Page	11827/681
Instrument	2021198669

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 5, 2021
Property Address	3150 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4990
Document Number	0000083820
Book / Page	11650 / 459
Map Reference	MB 107 PG 38
Instrument Date	Mar 31, 2021
Instrument	2021083820
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$7,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 BEACH DR NE UNIT 1001, 1001, SAINT PETERSBURG, FL 33701-3967

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3500 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4988

Tax Assessment & Valuation

The 2025 property tax bill for 3150 Crystal Beach Rd was $8,510.

Source: Polk County assessment roll, as of September 28, 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
2026		$655,712 (-0.38%)	$853,126 (-0.29%) Land $287,356 Building $565,770
2025	$8,510.00	$658,209	$855,623 Land $287,356 Building $568,267
2023	$9,356.00 (-13.33%)	$677,074 (-13.11%) Land $89,859 Building $587,215	$868,706 (+11.48%) Land $281,491 Building $587,215
2022	$10,795.00	$779,261 Land $234,576 Building $544,685	$779,261 Land $234,576 Building $544,685

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

Flood

FEMA maps place 3150 Crystal Beach Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	2 (2022)
Most Recent Claim	Oct 2022 · Hurricane Ian

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

Wildfire risk around 3150 Crystal Beach Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3

May also be available: Spectrum.

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