3420 Cove Ct E, Winter Haven, FL 33880 Property Records

Polk County property record for 3420 Cove Ct E, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,249 sqft · built 1992
Lot Size	0.136 acres (5,902 sqft)
Owner	2 Individual Names on Record
Last Sale	$204,000 (Jul 2021)
Tax Bill	$2,004 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-29-02-356712-000150`

Property Details

APN / Parcel Number

Primary APN	`25-29-02-356712-000150`
Alternative APNs	`022925356712000150` `22925000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,249 sqft Living Area
Gross Area	1,705 sqft
1st Floor Area	1,249 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	5,902 sqft (0.136 acres)
Lot Dimensions	92 ft deep x 60 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	456 sqft
Porch	Finished/Open Porch
Porch Area	52 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3420 COVE CT E
City	WINTER HAVEN
State	FL
Zip	33880-5067
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	QUEENS COVE PB 89 PG 49 LOT 15
Legal Range	25E
Legal Township	29S
Legal Section	02
Legal Subdivision	QUEENS COVE
Legal Tract	356712
Legal Block	2
Legal Lot Number	15
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2011
Census Tract	14704

Owner

Source: Polk County records, as of October 20, 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	3420 COVE CT E, WINTER HAVEN, FL 33880-5067
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2021 · Amount on Record
Deed Sale	Jul 21, 2021 · Amount on Record
Prior Sale	Sep 21, 2004 · Amount on Record
Deed Document Number	2021189331
Deed Book / Page	11812 / 1715
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 21, 2021
Property Address	3420 COVE CT E, WINTER HAVEN, FL 33880-5067
Document Number	0000189331
Book / Page	11812 / 1715
Map Reference	MB 89 PG 49
Instrument Date	Jul 15, 2021
Instrument	2021189331
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,428.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4721 E 100TH 4TH AVE, ANCHORAGE, AK 99507

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3420 COVE CT E, WAHNETA, FL 33880-5067

Mortgage

Document Number	0118121717
Date	Jul 21, 2021
Instrument	11812/1717

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

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

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		$200,500 (+2.7%)	$209,734 (+5.14%) Land $33,000 Building $176,734
2025	$2,004.00 (-20.7%) Homeowner's exemption	$195,229 (+5.99%)	$199,487 (-3.43%) Land $33,000 Building $166,487
2023	$2,527.00 (+4.9%) Homeowner's exemption	$184,201 (+3%)	$206,572 (+15.51%) Land $32,000 Building $174,572
2022	$2,409.00 Homeowner's exemption	$178,836 Land $27,000 Building $151,836	$178,836 Land $27,000 Building $151,836

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 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 Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None 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 System	CENTRAL serves 13,595 people · EPA ID FL6534609
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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

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