345 3rd St SW, Winter Haven, FL 33880 Property Records

Polk County property record for 345 3rd St SW, Winter Haven, FL 33880

Property Summary

Property Type	Commercial
Details	402 sqft · built 1937
Lot Size	0.258 acres (11,256 sqft)
Owner	Trust Name on File
Last Sale	$100 (Jun 2016)
Tax Bill	$1,605 (2025)
Deeds & Mortgages	Apr 2024 Transfer Mar 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`26-28-29-620000-001070`

Property Details

APN / Parcel Number

Primary APN	`26-28-29-620000-001070`
Alternative APNs	`292826620000001070` `92826000`

Interior

Building Area	402 sqft
1st Floor Area	402 sqft

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Lot Area	11,256 sqft (0.258 acres)
Lot Dimensions	135 ft deep x 83 ft wide
View / Lot	Agricultural

Location & Zoning

Street Address	345 3RD ST SW
City	WINTER HAVEN
State	FL
Zip	33880-3410
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	BA
Legal Description	OVERSTREETS SUB PB 12 PG 8 BLK 1 LOTS 7 & S 33 FT OF 8
Legal Range	26E
Legal Township	28S
Legal Section	29
Legal Subdivision	OVERSTREETS SUBDIVISION
Legal Tract	620000
Legal Block	1
Legal Lot Number	7
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2006
Census Tract	13901

Owner

345 3rd St SW, a commercial property, is held in a trust since March 2024.

Source: Polk County records, as of September 28, 2026

Owner of Record	Trust Name on File
Mailing Address	1005 LESTER RIDGE CT, KISSIMMEE, FL 34747-1255
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Mar 20, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2016 · Amount on File
Deed Sale	Jun 1, 2016 · Amount on File
Prior Sale	Oct 4, 2006 · Amount on File
Deed Book / Page	9868 / 883
Last Transfer Date	Mar 25, 2024
Transfer Doc	0000073735
Record Updated	Oct 29, 2026

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Apr 2, 2024
Property Address	345 3RD ST SW, WINTER HAVEN, FL 33880-3410
Document Number	0000073735
Book / Page	13059 / 2151
Map Reference	MB 12 PG 8
Instrument Date	Mar 25, 2024
Instrument	2024073735
Transaction Type	Transfer
Record Updated	Apr 15, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1005 LESTER RIDGE CT, KISSIMMEE, FL 34747-1255

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	1005 LESTER RIDGE CT, KISSIMMEE, FL 34747-1255

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Mar 20, 2018
Property Address	345 3RD ST SW, WINTER HAVEN, FL 33880-3410
Document Number	0104271950
Book / Page	010427 / 001950
Instrument Date	Jan 17, 2018
Instrument	59481
Transaction Type	Transfer
Record Updated	Apr 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 LESTER RIDGE CT KISSIMMEE FL 347471255, KISSIMMEE, FL 34747-1255

Tax Assessment & Valuation

The 2025 property tax bill for 345 3rd St SW was $1,605, up 41.3% from the year before.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$84,398 (-) Land $84,398	$84,398 (-) Land $84,398
2025	$1,605.00 (+41.29%)	$84,398 Land $84,398	$84,398 Land $84,398
2024	$1,136.00 (-1.05%)
2023	$1,148.00 (-0.95%)	$59,641 (-) Land $59,641	$59,641 (-) Land $59,641
2022	$1,159.00	$59,641 Land $59,641	$59,641 Land $59,641

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 345 3rd St SW 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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

Wildfire risk around 345 3rd St SW is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% 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	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 229 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Alternative Choice Wireless, AT&T, Frontier.

Nearby Properties on 3rd St SW

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