Polk County property record for 3431 Cove Ct E, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,004 sqft · built 1992 |
| Lot Size | 0.139 acres (6,059 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $239,900 (Jun 2023) |
| Tax Bill | $2,276 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-29-02-356712-000040 |
| Primary APN | 25-29-02-356712-000040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,004 sqft Living Area |
| Gross Area | 1,479 sqft |
| 1st Floor Area | 1,004 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 6,059 sqft (0.139 acres) |
| Lot Dimensions | 105 ft deep x 46 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 475 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 36 sqft |
| Street Address | 3431 COVE CT E |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-5072 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | QUEENS COVE PB 89 PG 49 LOT 4 |
| Legal Range | 25E |
| Legal Township | 29S |
| Legal Section | 02 |
| Legal Subdivision | QUEENS COVE |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 14704 |
Source: Polk County records, as of July 23, 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 | 3431 COVE CT E, WINTER HAVEN, FL 33880-5072 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
| Date | Document |
|---|---|
| Jun 6, 2023 | Warranty Deed, Transfer · FHA Mortgage CANOPY MORTGAGE LLC |
| Oct 20, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 6, 2023 · Amount on Record |
| Deed Sale | Jun 6, 2023 · Amount on Record |
| Prior Sale | Jun 5, 2019 · Amount on Record |
| Deed Document Number | 2023131536 |
| Deed Book / Page | 12717 / 1458 |
| Prior Transfer Date | Aug 16, 2010 |
| Prior Transfer Doc | 0000140826 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 6, 2023 |
| Property Address | 3431 COVE CT E, WINTER HAVEN, FL 33880-5072 |
| Document Number | 0000131536 |
| Book / Page | 12717 / 1458 |
| Map Reference | MB 89 PG 49 |
| Instrument Date | Jun 2, 2023 |
| Instrument | 2023131536 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2023 |
| Title Company | MASTERPIECE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,679.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4545 ASHFORD DR, WINTER HAVEN, FL 33880-1148 |
| Name | Verified Name |
|---|---|
| Address | 3431 COVE CT E, WINTER HAVEN, FL 33880-5072 |
| Document Number | 0127171460 |
|---|---|
| Date | Jun 6, 2023 |
| Instrument | 12717/1460 |
| Name | CANOPY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3431 COVE CT E, WINTER HAVEN, FL 33880-5072 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | WATSON TITLE SERVICES INC, WATSON TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3431 COVE CT E, WAHNETA, FL 33880-5072 |
| Document Number | 0000273917 |
|---|---|
| Date | Oct 20, 2021 |
| Book Page | 11945/2124 |
| Instrument | 2021273917 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Sep 1, 2049 |
Source: Polk County assessment roll, as of July 23, 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 |
|---|---|---|---|
| 2025 | $2,276.00 (+31.33%) | $176,097 (+36.85%) Land $33,000 Building $143,097 | $176,097 (-3.17%) Land $33,000 Building $143,097 |
| 2023 | $1,733.00 (+6.52%) | $128,681 (+3%) | $181,857 (+16.47%) Land $32,000 Building $149,857 |
| 2022 | $1,627.00 Homeowner's exemption | $124,933 | $156,147 Land $27,000 Building $129,147 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 | CENTRAL serves 13,595 people · EPA ID FL6534609 |
|---|---|
| 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, 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.
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 |
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