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328 Vail Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 328 Vail Dr, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,712 sqft · built 1984
Lot Size0.272 acres (11,835 sqft)
OwnerIndividual Name on Record
Last Sale$300,000 (Jun 2024)
Tax Bill$2,564 (2025)
Deeds & MortgagesMar 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-09-687041-000140

Property Details

APN / Parcel Number

Primary APN26-29-09-687041-000140
Alternative APNs
  • 092926687041000140
  • 92926000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,712 sqft Living Area
Gross Area2,093 sqft
1st Floor Area1,512 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area11,835 sqft (0.272 acres)
Lot Dimensions123 ft deep x 90 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area381 sqft
PorchFlorida Room
Porch Area358 sqft
Shed1 Shed

Location & Zoning

Street Address328 VAIL DR
CityWINTER HAVEN
StateFL
Zip33884-2832
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCEDAR COVE PHASE ONE PB 73 PG 41 LOT 14
Legal Range26E
Legal Township29S
Legal Section09
Legal SubdivisionCEDAR COVE PHASE ONE
Legal Phase1
Legal Tract687041
Legal Block1
Legal Lot Number14
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1049
Census Tract14600

Owner

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 RecordIndividual Name on Record
Mailing Address328 VAIL DR, WINTER HAVEN, FL 33884-2832
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 19, 2024 · Amount on Record
Deed SaleJun 19, 2024 · Amount on Record
Deed Document Number2024141555
Deed Book / Page13159 / 188
Record UpdatedOct 29, 2026

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address328 VAIL DR, WINTER HAVEN, FL 33884-2832
Document Number0101051870
Book / Page010105 / 001870
Instrument DateMar 14, 2017
Transaction TypeMortgage
Record UpdatedJul 6, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address328 VAIL DR WINTER HAVEN FL 338842832, WINTER HAVEN, FL 33884-2832

Mortgage

Document Number0101051870
DateMar 31, 2017
Book Page010105/001870
Instrument61179
Lender
NameFIRST DIRECT LNDG
AddressIRVINE, CA 92618
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 30, 2047

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$232,975 (-0.41%) Land $33,000 Building $199,975$232,975 (-0.41%) Land $33,000 Building $199,975
2025$2,564.00 (-32.81%)$233,937 (-1.77%) Land $33,000 Building $200,937$233,937 (-1.77%) Land $33,000 Building $200,937
2023$3,816.00 (+230.39%)$238,143 (+180.16%) Land $32,000 Building $206,143$238,143 (+5.41%) Land $32,000 Building $206,143
2022$1,155.00 Homeowner's exemption$85,002$225,919 Land $27,000 Building $198,919

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.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 15 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies15 in force
Nearby Flood Claims3 (2004–2024)
Claims Outside the SFHA1 of 3
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Frances, Sep 2004 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.09% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 282 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Frontier.

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