Polk County property record for 3203 Oak Tree Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,441 sqft · built 2005 |
| Lot Size | 0.172 acres (7,471 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $173,600 (Dec 2005) |
| Tax Bill | $1,865 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-28-32-851600-000360 |
| Primary APN | 27-28-32-851600-000360 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,441 sqft Living Area |
| Gross Area | 1,924 sqft |
| 1st Floor Area | 1,441 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,471 sqft (0.172 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 274 sqft |
| Street Address | 3203 OAK TREE LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1329 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAKGROVE SUBDIVISION PHASE ONE PB 115 PG 23 LOT 36 |
| Legal Range | 27E |
| Legal Township | 28S |
| Legal Section | 32 |
| Legal Subdivision | OAKGROVE PHASE ONE |
| Legal Phase | 1 |
| Legal Tract | 851600 |
| Legal Block | 2 |
| Legal Lot Number | 36 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 2 |
| Census Block | 2075 |
| Census Tract | 14123 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 14344 CAMEO AVE W, 106, ROSEMOUNT, MN 55068-4067 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2005 · Amount on Record |
| Deed Sale | Dec 22, 2005 · Amount on Record |
| Deed Document Number | 2005315091 |
| Deed Book / Page | 6555 / 1501 |
| Record Updated | Oct 29, 2026 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $231,747 (+56.35%) Land $50,000 Building $181,747 | $231,747 (-6.69%) Land $50,000 Building $181,747 | |
| 2025 | $1,865.00 (+7.37%) Homeowner's exemption | $148,225 (+5.99%) | $248,370 (+1.32%) Land $50,000 Building $198,370 |
| 2023 | $1,737.00 (-1.31%) Homeowner's exemption | $139,852 (+3%) | $245,131 (+16.85%) Land $48,000 Building $197,131 |
| 2022 | $1,760.00 Homeowner's exemption | $135,779 | $209,780 Land $40,000 Building $169,780 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 105 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 105 in force |
| Nearby Flood Claims | 3 (2017–2022) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 55% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| Water Quality | E. coli resolved · Sep 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 16 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 59 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 / 35 |
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