Polk County property record for 3221 Oak Tree Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,722 sqft · built 2004 |
| Lot Size | 0.171 acres (7,427 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $347,500 (Aug 2026) |
| Tax Bill | $4,783 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Oct 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-28-32-851600-000270 |
| Primary APN | 27-28-32-851600-000270 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,722 sqft Living Area |
| Gross Area | 2,206 sqft |
| 1st Floor Area | 1,722 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 7,427 sqft (0.171 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 212 sqft |
| Street Address | 3221 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 27 |
| 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 | 27 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3221 OAK TREE LN, WINTER HAVEN, FL 33884-1329 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 21, 2026 | Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CREDIT UNION |
| Oct 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CREDIT UNION |
| Nov 9, 2022 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Apr 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HOMEWARD RESID'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2026 · Amount on Record |
| Deed Sale | Aug 21, 2026 · Amount on Record |
| Prior Sale | Nov 9, 2022 · Amount on Record |
| Deed Document Number | 2026203756 |
| Deed Book / Page | 14125 / 333 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 21, 2026 |
| Property Address | 3221 OAK TREE LN, WINTER HAVEN, FL 33884-1329 |
| Document Number | 0000203756 |
| Book / Page | 14125 / 333 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 2026203756 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2026 |
| Title Company | REAL ESTATE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $245,682.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3221 OAK TREE LN, WINTER HAVEN, FL 33884-1329 |
| Document Number | 0000203757, |
|---|---|
| Date | Aug 21, 2026 |
| Book Page | 14125/335 |
| Instrument | 2026203757 |
| Name | MIDFLORIDA CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 13, 2026 |
| Property Address | 3221 OAK TREE LN, WINTER HAVEN, FL 33884-1329 |
| Document Number | 0000247106 |
| Book / Page | 14188 / 790 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 2026247106 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 44 JOEL MASSEY RD, HAINES CITY, FL 33844-9144 |
| Document Number | 0000247106, |
|---|---|
| Date | Oct 13, 2026 |
| Book Page | 14188/790 |
| Instrument | 2026247106 |
| Name | MIDFLORIDA CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 9, 2022 |
| Property Address | 3221 OAK TREE LN, WINTER HAVEN, FL 33884-1329 |
| Document Number | 0000294567 |
| Book / Page | 12480 / 920 |
| Map Reference | MB 115 PG 23 |
| Instrument Date | Nov 3, 2022 |
| Instrument | 2022294567 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,170.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4046 PALMA CEIA CIR, 4046, WINTER HAVEN, FL 33884-1239 |
| Name | Verified Name |
|---|---|
| Address | 3221 OAK TREE LN, WINTER HAVEN, FL 33884-1329 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3221 OAK TREE LN, WINTER HAVEN, FL 33884-1329 |
| Document Number | 0104740382 |
| Instrument Date | Apr 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 3221 OAK TREE LN WINTER HAVEN FL 338841329, WINTER HAVEN, FL 33884-1329 |
| Document Number | 0104740382 |
|---|---|
| Date | May 3, 2018 |
| Book Page | 010474/000382 |
| Instrument | 95179 |
| Name | HOMEWARD RESID'L |
|---|---|
| Address | ADDISON, TX 75001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 2, 2033 |
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 | $236,127 (-7.7%) Land $50,000 Building $186,127 | $236,127 (-7.7%) Land $50,000 Building $186,127 | |
| 2025 | $4,783.00 (+0.93%) | $255,823 (+1.95%) Land $50,000 Building $205,823 | $255,823 (+1.95%) Land $50,000 Building $205,823 |
| 2023 | $4,739.00 (+155.06%) | $250,936 (+78.73%) Land $48,000 Building $202,936 | $250,936 (+13.68%) Land $48,000 Building $202,936 |
| 2022 | $1,858.00 Homeowner's exemption | $140,402 | $220,737 Land $40,000 Building $180,737 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|---|---|
| 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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