Polk County property record for 346 Vail Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,778 sqft · built 1985 |
| Lot Size | 0.251 acres (10,925 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Jul 2004) |
| Tax Bill | $843 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-09-687041-000230 |
| Primary APN | 26-29-09-687041-000230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,778 sqft Living Area |
| Gross Area | 2,303 sqft |
| 1st Floor Area | 1,778 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,925 sqft (0.251 acres) |
| Lot Dimensions | 115 ft deep x 95 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 48 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 346 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 23 |
| 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 | 23 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1049 |
| Census Tract | 14600 |
346 Vail Dr is owned and occupied by an individual who bought it in July 2004.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 346 VAIL DR, WINTER HAVEN, FL 33884-2832 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 30, 2004 · Amount on File |
| Deed Sale | Jul 30, 2004 · Amount on File |
| Deed Document Number | 2004155644 |
| Deed Book / Page | 5870 / 1100 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 346 Vail Dr was $843 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 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 |
|---|---|---|---|
| 2026 | $112,060 (+2.7%) | $269,544 (+3.68%) Land $33,000 Building $236,544 | |
| 2025 | $843.00 Homeowner's exemption | $109,114 | $259,983 Land $33,000 Building $226,983 |
| 2023 | $1,386.00 (+2.44%) Homeowner's exemption | $102,950 (+3%) | $259,208 (+2.61%) Land $32,000 Building $227,208 |
| 2022 | $1,353.00 Homeowner's exemption | $99,951 | $252,624 Land $27,000 Building $225,624 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 346 Vail Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.
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 File 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 |
|
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 risk around 346 Vail Dr is moderate, ranking above 45% of the US, with a 0.09% annual chance of 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.
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 |
| 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.
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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