332 Vail Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 332 Vail Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,059 sqft · built 1984
Lot Size	0.263 acres (11,474 sqft)
Owner	2 Individual Names on Record
Last Sale	$359,000 (Apr 2021)
Tax Bill	$4,002 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Nov 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-09-687041-000160`

Property Details

APN / Parcel Number

Primary APN	`26-29-09-687041-000160`
Alternative APNs	`092926687041000160` `92926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,059 sqft Living Area
Gross Area	2,587 sqft
1st Floor Area	2,059 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	11,474 sqft (0.263 acres)
Lot Dimensions	130 ft deep x 83 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	528 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	512 sqft
Porch	Finished/Open Porch
Porch Area	24 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	332 VAIL DR
City	WINTER HAVEN
State	FL
Zip	33884-2832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR COVE PHASE ONE PB 73 PG 41 LOT 16
Legal Range	26E
Legal Township	29S
Legal Section	09
Legal Subdivision	CEDAR COVE PHASE ONE
Legal Phase	1
Legal Tract	687041
Legal Block	1
Legal Lot Number	16
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1049
Census Tract	14600

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 Record	2 Individual Names on Record
Mailing Address	332 VAIL DR, WINTER HAVEN, FL 33884-2832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 19, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 12, 2020	Foreclosure NOT AVAILABLE
May 22, 2017	Loan Modification, Mortgage · Conventional with PMI PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2021 · Amount on Record
Deed Sale	Apr 19, 2021 · Amount on Record
Prior Sale	Nov 19, 2020 · Amount on Record
Deed Document Number	202199518
Deed Book / Page	11675 / 1058
Prior Transfer Date	Nov 13, 2020
Prior Transfer Doc	0114630285
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 19, 2021
Property Address	332 VAIL DR, WINTER HAVEN, FL 33884-2832
Document Number	0000099518
Book / Page	11675 / 1058
Map Reference	MB 73 PG 41
Instrument Date	Apr 16, 2021
Instrument	2021099518
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,513.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7044 OX BOW RD, 7044, TALLAHASSEE, FL 32312-3579

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 VAIL DR, WINTER HAVEN, FL 33884-2832

Mortgage

Document Number	0116751060
Date	Apr 19, 2021
Instrument	11675/1060

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Nov 19, 2020
Property Address	332 VAIL DR, WINTER HAVEN, FL 33884-2832
Document Number	0114630285
Book / Page	011463 / 000285
Instrument Date	Nov 13, 2020
Instrument	249248
Transaction Type	Transfer
Record Updated	Dec 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$70.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1400 VILLAGE SQUARE BLVD #3-33 TALLAHASSEE FL 323121250, 3-33, TALLAHASSEE, FL 32312-1250

October 2020: Foreclosure

Document Type	Foreclosure
Jurisdiction	POLK FL
Recording Date	Oct 12, 2020
Property Address	332 VAIL DR, WINTER HAVEN, FL 33884-2832
Document Number	0114091665
Book / Page	011409 / 001665
Instrument Date	Sep 29, 2020
Instrument	214730
Transaction Type	Foreclosure
Record Updated	Oct 29, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1819 WINTER HAVEN FL 338821819, WINTER HAVEN, FL 33882-1819

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	332 VAIL DR, WINTER HAVEN, FL 33884-2832
Document Number	0102980750
Instrument Date	May 22, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 VAIL DR WINTER HAVEN FL 338842832, WINTER HAVEN, FL 33884-2832

Mortgage

Document Number	0102980750
Date	Oct 27, 2017
Book Page	010298/000750
Instrument	206165

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	WINTER HAVEN, FL 33882-1819

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$299,106 (-0.94%) Land $33,000 Building $266,106	$299,106 (-0.94%) Land $33,000 Building $266,106
2025	$4,002.00 (-17.81%)	$301,944 (-2.53%) Land $33,000 Building $268,944	$301,944 (-2.53%) Land $33,000 Building $268,944
2024	$4,869.00 (+1.82%)
2023	$4,782.00 (+1.72%)	$309,792 (+1.9%) Land $32,000 Building $277,792	$309,792 (+1.9%) Land $32,000 Building $277,792
2022	$4,701.00	$304,017 Land $27,000 Building $277,017	$304,017 Land $27,000 Building $277,017

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2004–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 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 Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.09% 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.

Drinking Water

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

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, 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

Provider	Max 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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