340 Vail Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 340 Vail Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,042 sqft · built 1984
Lot Size	0.279 acres (12,131 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Jun 2021)
Tax Bill	$3,123 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Feb 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-29-09-687041-000200`

Property Details

APN / Parcel Number

Primary APN	`26-29-09-687041-000200`
Alternative APNs	`092926687041000200` `92926000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,042 sqft Living Area
Gross Area	2,567 sqft
1st Floor Area	2,042 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	Gable
Roof Material	Other
Lot Area	12,131 sqft (0.279 acres)
Lot Dimensions	128 ft deep x 103 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	525 sqft
Porch	Finished/Open Porch
Porch Area	28 sqft

Location & Zoning

Street Address	340 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 20
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	20
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	Individual Name on Record
Mailing Address	340 VAIL DR, WINTER HAVEN, FL 33884-2832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Warranty Deed, Transfer · VA Mortgage USAA FSB
Feb 26, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2021 · Amount on Record
Deed Sale	Jun 30, 2021 · Amount on Record
Prior Sale	Feb 26, 2021 · Amount on Record
Deed Document Number	2021169383
Deed Book / Page	11782 / 2197
Prior Transfer Date	Feb 23, 2021
Prior Transfer Doc	0000049617
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 30, 2021
Property Address	340 VAIL DR, WINTER HAVEN, FL 33884-2832
Document Number	0000169383
Book / Page	11782 / 2197
Map Reference	MB 73 PG 41
Instrument Date	Jun 22, 2021
Instrument	2021169383
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 VAIL DR, WINTER HAVEN, FL 33884-2832

Mortgage

Document Number	0117822199
Date	Jun 30, 2021
Instrument	11782/2199

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 26, 2021
Property Address	340 VAIL DR, WINTER HAVEN, FL 33884-2832
Document Number	0000049618
Book / Page	11597 / 1379
Map Reference	MB 73 PG 41
Instrument Date	Feb 23, 2021
Instrument	2021049618
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	340 VAIL DR, WINTER HAVEN, FL 33884-2832

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

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		$266,701 (-5.13%) Land $33,000 Building $233,701	$266,701 (-6.15%) Land $33,000 Building $233,701
2025	$3,123.00 (-12.64%) Homeowner's exemption	$281,121 (+5.99%)	$284,181 (-3.17%) Land $33,000 Building $251,181
2023	$3,575.00 (+3.65%) Homeowner's exemption	$265,241 (+3%)	$293,483 (+1.66%) Land $32,000 Building $261,483
2022	$3,449.00 Homeowner's exemption	$257,516	$288,681 Land $27,000 Building $261,681

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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