3198 Laurel Oak Ln, Winter Haven, FL 33884 Property Records

Polk County property record for 3198 Laurel Oak Ln, Winter Haven, FL 33884 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,853 sqft · built 2025
Lot Size	0.126 acres (5,497 sqft)
Owner	2 Individual Names on File
Last Sale	$312,900 (Jun 2025)
Tax Bill	$972 (2025)
Flood Zone	Zone X (minimal risk)
APN	`26-29-15-688505-000240`

Property Details

APN / Parcel Number

Primary APN	`26-29-15-688505-000240`
Alternative APN	`152926688505000240`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,853 sqft Living Area
Gross Area	2,313 sqft
1st Floor Area	1,853 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	5,497 sqft (0.126 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	460 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	3198 LAUREL OAK LN
City	WINTER HAVEN
State	FL
Zip	33884-3774
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAMAR PHASE 6 AND PHASE 6D PB 203 PGS 7-17 LOT 24
Legal Subdivision	VILLAMAR PHASE 6 AND PHASE 6D
Legal Lot Number	24
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4029
Census Tract	14501

Owner

Source: Polk County records · APN 26-29-15-688505-000240

Assessment roll updated July 23, 2026 · Last verified August 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 File
Mailing Address	3198 LAUREL OAK LN, WINTER HAVEN, FL 33884-3774
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 04, 2025 · Amount on Record
Deed Sale	Jun 04, 2025 · Amount on Record
Deed Document Number	2025130720
Deed Book / Page	13573 / 873
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$972.00	$52,000 Land $52,000	$52,000 Land $52,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050145014, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 97 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	97 in force 92 of 97 on primary residences
Nearby Flood Claims	8 (2004–2022)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian
Flood Events	Hurricane Ian (Sep 2022), 2 claims Hurricane Frances (Sep 2004), 2 claims Tropical Storm Bonnie And Hurricane Charley (Aug 2004), 2 claims

Wildfire

Wildfire Risk	High above 78% of the US · above 67% of Florida
Wildfire Likelihood	About 1 in 200 per year
Exposure	Direct burnable vegetation at the parcel

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.