Polk County property record for 3229 Oak Tree Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,675 sqft · built 2003 |
| Lot Size | 0.152 acres (6,599 sqft) |
| Owner | Individual Name on File |
| Last Sale | $138,500 (Apr 2003) |
| Tax Bill | $4,615 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-28-32-851600-000230 |
| Primary APN | 27-28-32-851600-000230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,675 sqft Living Area |
| Gross Area | 2,137 sqft |
| 1st Floor Area | 1,675 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 6,599 sqft (0.152 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 171 sqft |
| Street Address | 3229 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 23 |
| 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 | 23 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 2 |
| Census Block | 2075 |
| Census Tract | 14123 |
3229 Oak Tree Ln is owned and occupied by an individual who bought it in April 2003.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3229 OAK TREE LN, WINTER HAVEN, FL 33884-1329 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2003 · Amount on File |
| Deed Sale | Apr 1, 2003 · Amount on File |
| Deed Book / Page | 5309 / 1378 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 3229 Oak Tree Ln was $4,615.
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 | $227,965 (-7.66%) Land $50,000 Building $177,965 | $227,965 (-7.66%) Land $50,000 Building $177,965 | |
| 2025 | $4,615.00 | $246,870 Land $50,000 Building $196,870 | $246,870 Land $50,000 Building $196,870 |
| 2023 | $4,162.00 (+10.19%) | $242,221 (+13.48%) Land $48,000 Building $194,221 | $242,221 (+13.48%) Land $48,000 Building $194,221 |
| 2022 | $3,777.00 | $213,457 Land $40,000 Building $173,457 | $213,457 Land $40,000 Building $173,457 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3229 Oak Tree Ln 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 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.
Wildfire risk around 3229 Oak Tree Ln is high, ranking above 74% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
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 20 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 / 1,000 |
May also be available: Verizon.
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