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3317 Queens Cove Loop, Winter Haven, FL 33880 Property Records

Polk County property record for 3317 Queens Cove Loop, Winter Haven, FL 33880

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,259 sqft · built 1996
Lot Size0.158 acres (6,861 sqft)
OwnerIndividual Name on Record
Last Sale$265,000 (Nov 2025)
Tax Bill$2,609 (2025)
Deeds & MortgagesAug 2025 Line of Credit
Nov 2025 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN25-29-02-356714-000090

Property Details

APN / Parcel Number

Primary APN25-29-02-356714-000090
Alternative APNs
  • 022925356714000090
  • 22925000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,259 sqft Living Area
Gross Area1,639 sqft
1st Floor Area1,259 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 2010
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area6,861 sqft (0.158 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area380 sqft
PorchUnfinished Open Porch

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address3317 QUEENS COVE LOOP
CityWINTER HAVEN
StateFL
Zip33880-5041
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionQUEENS COVE PHASE TWO PB 95 PG 10 LOT 9
Legal Range25E
Legal Township29S
Legal Section02
Legal SubdivisionQUEENS COVE PHASE 02
Legal Phase2
Legal Tract356714
Legal Block2
Legal Lot Number9
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2011
Census Tract14704

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 Address3317 QUEENS COVE LOOP, WINTER HAVEN, FL 33880-5041
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Man

Deeds, Mortgages & Sale History

DateDocument
Aug 20, 2025Deed of Trust, Mortgage · Line of Credit
MIDFLORIDA CU
Nov 26, 2025Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Feb 29, 2024Warranty Deed, Transfer
SAINT LAWRENCE TITLE INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 26, 2025 · Amount on Record
Deed SaleNov 26, 2025 · Amount on Record
Prior SaleFeb 29, 2024 · Amount on Record
Deed Document Number2025279632
Deed Book / Page13791 / 1607
Prior Transfer DateJan 30, 2015
Prior Transfer Doc0000019909
Record UpdatedOct 29, 2026

August 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address3317 QUEENS COVE LOOP, WINTER HAVEN, FL 33880-5041
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000194326
DateAug 20, 2025
Book Page13667/1047
Instrument2025194326
Lender
NameMIDFLORIDA CU
TypeCredit Union
AddressLAKELAND, FL 33802
Agreement
TypeLine of Credit
AmountAmount Recorded
Term241 Months
DueSep 5, 2045
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

November 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateNov 26, 2025
Property Address3317 QUEENS COVE LOOP, WINTER HAVEN, FL 33880-5041
Document Number0000279632
Book / Page13791 / 1607
Map ReferenceMB 95 PG 10
Instrument DateNov 20, 2025
Instrument2025279632
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanySUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,855.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address148 MELISSA TRL, AUBURNDALE, FL 33823-8371

Transferred To (Grantee/Buyer)

NameVerified Name
Address3317 QUEENS COVE LOOP, WINTER HAVEN, FL 33880-5041

Mortgage

Document Number0137911610
DateNov 26, 2025
Instrument13791/1610
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2055

February 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateFeb 29, 2024
Property Address3317 QUEENS COVE LOOP, WINTER HAVEN, FL 33880-5041
Document Number0000047814
Book / Page13023 / 1085
Map ReferenceMB 95 PG 10
Instrument DateFeb 21, 2024
Instrument2024047814
Transaction TypeTransfer
Record UpdatedMar 14, 2024
Title CompanySAINT LAWRENCE TITLE INC

Transaction

AmountAmount Recorded
Tax$1,862.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9300 W LAKE RUBY DR, WINTER HAVEN, FL 33884-3119

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address13096 GRANT CIR, CLIO, MI 48420-8100

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$203,807 (+0.99%) Land $33,000 Building $170,807$203,807 (+0.99%) Land $33,000 Building $170,807
2025$2,609.00 (-14.26%)$201,801 (+2.05%) Land $33,000 Building $168,801$201,801 (+2.05%) Land $33,000 Building $168,801
2024$3,043.00 (+6.62%)$197,740 (+0.32%) Land $33,000 Building $164,740$197,740 (+0.32%) Land $33,000 Building $164,740
2023$2,854.00 (+11.4%)$197,115 (+14.89%) Land $32,000 Building $165,115$197,115 (+14.89%) Land $32,000 Building $165,115
2022$2,562.00$171,572 Land $27,000 Building $144,572$171,572 Land $27,000 Building $144,572

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

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies6 in force

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 RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

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 SystemCENTRAL
serves 13,595 people · EPA ID FL6534609
Water SourceGroundwater
Last State InspectionApr 2023
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 248 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

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