3218 Laurel Oak Ln, Winter Haven, FL 33884 Property Records

Polk County property record for 3218 Laurel Oak Ln, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,041 sqft · built 2024
Lot Size	0.126 acres (5,497 sqft)
Owner	2 Individual Names on File
Last Sale	$59,000 (Jun 2024)
Tax Bill	$4,123 (2025)
Deeds & Mortgages	Jun 2024 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`26-29-15-688505-000290`

Property Details

APN / Parcel Number

Primary APN	`26-29-15-688505-000290`
Alternative APN	`152926688505000290`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,041 sqft Living Area
Gross Area	2,482 sqft
1st Floor Area	2,041 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
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	441 sqft
Porch	Screened/Unfinished Porch
Porch Area	36 sqft

Location & Zoning

Street Address	3218 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 29
Legal Subdivision	VILLAMAR PHASE 6 AND PHASE 6D
Legal Lot Number	29
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 26-29-15-688505-000290

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	3218 LAUREL OAK LN, WINTER HAVEN, FL 33884-3774
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 28, 2024 · Amount on Record
Deed Sale	Jun 28, 2024 · Amount on Record
Deed Document Number	2024149738
Deed Book / Page	13170 / 1123
Record Updated	Sep 20, 2026

June 2024: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 28, 2024
Property Address	3218 LAUREL OAK LN, WINTER HAVEN, FL 33884-3774
Document Number	0000149738
Book / Page	13170 / 1123
Map Reference	MB 203 PG 8
Instrument Date	Jun 21, 2024
Instrument	2024149738
Transaction Type	Construction Loan
Record Updated	Jan 13, 2026
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$413.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3218 LAUREL OAK DR, WINTER HAVEN, FL 33884-3774
Investor	Possibly a Property Investor

Mortgage

Document Number	0131701125
Date	Jun 28, 2024
Instrument	13170/1125

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2054

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,123.00	$263,959 Land $52,000 Building $211,959	$263,959 Land $52,000 Building $211,959

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire

Wildfire Risk	High above 78% of the US · above 66% of Florida
Wildfire Likelihood	0.5% annual chance
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

Based on FCC filings for 85 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people
Water Source	Groundwater
Last State Inspection	Dec 2021
Lead	7 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.