Polk County property record for 3340 Fox Ridge Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,376 sqft · built 1986 |
| Lot Size | 0.138 acres (6,003 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $441 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Jul 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-29-06-855563-000570 |
| Primary APN | 27-29-06-855563-000570 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,376 sqft Living Area |
| Gross Area | 1,796 sqft |
| 1st Floor Area | 1,376 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 6,003 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 81 sqft |
| Street Address | 3340 FOX RIDGE DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOX RIDGE PHASE ONE PB 77 PGS 50 & 51 LOT 57 |
| Legal Range | 27E |
| Legal Township | 29S |
| Legal Section | 06 |
| Legal Subdivision | FOX RIDGE PHASE ONE |
| Legal Phase | 1 |
| Legal Tract | 855563 |
| Legal Block | 1 |
| Legal Lot Number | 57 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 14123 |
3340 Fox Ridge Dr is owned and occupied by an individual who acquired it in October 2006.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3340 FOX RIDGE DR, WINTER HAVEN, FL 33884-2603 |
| 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.
| Date | Document |
|---|---|
| Dec 29, 2023 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS BANK & TRUST |
| Jul 23, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 10, 2006 |
| Transfer Doc | 0000250240 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3340 FOX RIDGE DR, WINTER HAVEN, FL 33884-2603 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000303041 |
|---|---|
| Date | Dec 29, 2023 |
| Book Page | 12957/569 |
| Instrument | 2023303041 |
| Name | CITIZENS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3340 FOX RIDGE DR, WINTER HAVEN, FL 33884-2603 |
| Document Number | 0105711262 |
| Instrument Date | Jul 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3340 FOX RIDGE DR WINTER HAVEN FL 338842603, WINTER HAVEN, FL 33884-2603 |
| Document Number | 0105711262 |
|---|---|
| Date | Aug 3, 2018 |
| Book Page | 010571/001262 |
| Instrument | 166470 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3340 Fox Ridge Dr was $441 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $74,300 (+2.7%) | $207,350 (-4.17%) Land $37,000 Building $170,350 | |
| 2025 | $441.00 Homeowner's exemption | $72,347 | $216,382 Land $37,000 Building $179,382 |
| 2023 | $901.00 (+4.04%) Homeowner's exemption | $68,260 (+3%) | $203,071 (+13.15%) Land $36,000 Building $167,071 |
| 2022 | $866.00 Homeowner's exemption | $66,272 | $179,475 Land $30,000 Building $149,475 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3340 Fox Ridge Dr 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 26 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 26 in force |
| Nearby Flood Claims | 24 (1979–2022) |
| Claims Outside the SFHA | 3 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 3340 Fox Ridge Dr is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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 444 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 |
| Verizon Fixed Wireless | 300 / 20 |
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