Polk County property record for 3425 Cove Ct E, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,109 sqft · built 1991 |
| Lot Size | 0.203 acres (8,825 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $188,700 (Mar 2021) |
| Tax Bill | $2,006 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Sep 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-29-02-356712-000100 |
| Primary APN | 25-29-02-356712-000100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,109 sqft Living Area |
| Gross Area | 1,549 sqft |
| 1st Floor Area | 1,109 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,825 sqft (0.203 acres) |
| Lot Dimensions | 105 ft deep x 59 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 52 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 3425 COVE CT E |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-5071 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | QUEENS COVE PB 89 PG 49 LOT 10 |
| Legal Range | 25E |
| Legal Township | 29S |
| Legal Section | 02 |
| Legal Subdivision | QUEENS COVE |
| Legal Tract | 356712 |
| Legal Block | 2 |
| Legal Lot Number | 10 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 14704 |
Source: Polk County records · APN 25-29-02-356712-000100
Assessment roll updated June 23, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 3425 COVE CT E, WINTER HAVEN, FL 33880-5071 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2026 | Warranty Deed, Transfer · FHA Mortgage HOME MORTGAGE INC |
| Sep 14, 2023 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 22, 2021 | Warranty Deed, Transfer · FHA Mortgage TOWN SQUARE MORTGAGE AND INVESTMENTS LLC |
| Aug 07, 2020 | Warranty Deed, Transfer UNIK TITLE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 22, 2021 · Amount on Record |
| Deed Sale | Mar 22, 2021 · Amount on Record |
| Prior Sale | Aug 07, 2020 · Amount on Record |
| Deed Document Number | 202172470 |
| Deed Book / Page | 11632 / 1408 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 22, 2026 |
| Property Address | 3425 COVE CT E, WINTER HAVEN, FL 33880-5071 |
| Document Number | 0000175027 |
| Book / Page | 14085 / 846 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 2026175027 |
| Transaction Type | Transfer |
| Record Updated | Aug 04, 2026 |
| Title Company | NATIONS TITLE, W PARK NATIONAL TITLE AGENCY L |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $184,527.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3425 COVE CT E, WINTER HAVEN, FL 33880-5071 |
| Document Number | 0000175028, |
|---|---|
| Date | Jul 22, 2026 |
| Book Page | 14085/848 |
| Instrument | 2026175028 |
| Name | HOME MORTGAGE INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000175029, |
|---|---|
| Date | Jul 22, 2026 |
| Book Page | 14085/864 |
| Instrument | 2026175029 |
| Name | HOME MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 10 Months |
| Due | Aug 01, 2036 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3425 COVE CT E, WINTER HAVEN, FL 33880-5071 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3425 COVE CT E, WINTER HAVEN, FL 33880-5071 |
| Document Number | 0000216079 |
|---|---|
| Date | Sep 14, 2023 |
| Book Page | 12836/929 |
| Instrument | 2023216079 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 330 Months |
| Due | Mar 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 22, 2021 |
| Property Address | 3425 COVE CT E, WINTER HAVEN, FL 33880-5071 |
| Document Number | 0000072470 |
| Book / Page | 11632 / 1408 |
| Map Reference | MB 89 PG 49 |
| Instrument Date | Mar 01, 2021 |
| Instrument | 2021072470 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | SIMPLY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,320.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1688 THETFORD CIR, 1688, ORLANDO, FL 32824-4340 |
| Name | Verified Name |
|---|---|
| Address | 3425 COVE CT E, WINTER HAVEN, FL 33880-5071 |
| Document Number | 0000072472 |
|---|---|
| Date | Mar 22, 2021 |
| Book Page | 11632/1411 |
| Instrument | 2021072472 |
| Name | TOWN SQUARE MORTGAGE AND INVESTMENTS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | KELLER, TX 76248 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 07, 2020 |
| Property Address | 3425 COVE CT E, WINTER HAVEN, FL 33880-5071 |
| Document Number | 0113261814 |
| Book / Page | 011326 / 001814 |
| Instrument Date | Jul 31, 2020 |
| Instrument | 159672 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2020 |
| Title Company | UNIK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $574.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1688 THETFORD CIR ORLANDO FL 328244340, ORLANDO, FL 32824-4340 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,006.00 (-20.65%) Homeowner's exemption | $195,353 (+5.99%) | $199,577 (-2.17%) Land $36,000 Building $163,577 |
| 2023 | $2,528.00 (+4.85%) Homeowner's exemption | $184,317 (+3%) | $204,008 (+14%) Land $35,000 Building $169,008 |
| 2022 | $2,411.00 Homeowner's exemption | $178,949 Land $29,000 Building $149,949 | $178,949 Land $29,000 Building $149,949 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 6 in force |
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 248 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CENTRAL serves 13,595 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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