348 Vail Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 348 Vail Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,974 sqft · built 1993
Lot Size	0.251 acres (10,925 sqft)
Owner	2 Company Names on Record
Last Sale	$387,500 (Sep 2022)
Tax Bill	$4,034 (2025)
Deeds & Mortgages	Sep 2022 Sale Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-09-687041-000240`

Property Details

APN / Parcel Number

Primary APN	`26-29-09-687041-000240`
Alternative APNs	`092926687041000240` `92926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,974 sqft Living Area
Gross Area	2,499 sqft
1st Floor Area	1,974 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
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
Porch	Enclosed/Unfinished Porch
Porch Area	527 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	348 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 24
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	24
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1049
Census Tract	14600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	100 WHISPERING PINES WAY, DAVENPORT, FL 33837-6702
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2022	Warranty Deed, Transfer INTEGRITY FIRST TITLE
Mar 10, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2022 · Amount on Record
Deed Sale	Sep 27, 2022 · Amount on Record
Prior Sale	Mar 10, 2020 · Amount on Record
Deed Document Number	2022260725
Deed Book / Page	12433 / 1886
Last Transfer Date	Oct 7, 2025
Transfer Doc	0000239768
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 27, 2022
Property Address	348 VAIL DR, WINTER HAVEN, FL 33884-2832
Document Number	0000260725
Book / Page	12433 / 1886
Map Reference	MB 73 PG 41
Instrument Date	Sep 26, 2022
Instrument	2022260725
Transaction Type	Transfer
Record Updated	Oct 12, 2022
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount Recorded
Tax	$2,712.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 KENDALL DR, 301, WINTER HAVEN, FL 33884-2817

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 WHISPERING PINES WAY, DAVENPORT, FL 33837-6702

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 10, 2020
Property Address	348 VAIL DR, WINTER HAVEN, FL 33884-2832
Document Number	0111700247
Book / Page	011170 / 000247
Instrument Date	Mar 5, 2020
Instrument	55052
Transaction Type	Transfer
Record Updated	Apr 2, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 VAIL DR WINTER HAVEN FL 338842832, WINTER HAVEN, FL 33884-2832

Mortgage

Document Number	111700248
Date	Mar 10, 2020
Book Page	011170/000248
Instrument	55053

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 9, 2050

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		$300,578 (-1.25%) Land $33,000 Building $267,578	$300,578 (-1.25%) Land $33,000 Building $267,578
2025	$4,034.00 (-15.71%)	$304,392 (-1.82%) Land $33,000 Building $271,392	$304,392 (-1.82%) Land $33,000 Building $271,392
2023	$4,786.00 (+108.72%)	$310,036 (+84.45%) Land $32,000 Building $278,036	$310,036 (+5.89%) Land $32,000 Building $278,036
2022	$2,293.00 Homeowner's exemption	$168,088	$292,803 Land $27,000 Building $265,803

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record 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	Hurricane Frances, Sep 2004 · 2 claims

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	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.

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 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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