354 Vail Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 354 Vail Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,781 sqft · built 1991
Lot Size	0.251 acres (10,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$209,700 (Mar 2019)
Tax Bill	$2,111 (2025)
Deeds & Mortgages	Mar 2023 Transfer Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-09-687044-000330`

Property Details

APN / Parcel Number

Primary APN	`26-29-09-687044-000330`
Alternative APNs	`092926687044000330` `92926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,781 sqft Living Area
Gross Area	2,265 sqft
1st Floor Area	1,781 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Tile
Lot Area	10,920 sqft (0.251 acres)
Lot Dimensions	110 ft deep x 95 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	484 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	392 sqft
Porch	Screened/Unfinished Porch
Porch Area	387 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	354 VAIL DR
City	WINTER HAVEN
State	FL
Zip	33884-2832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR COVE PHASE TWO PB 80 PGS 12 & 13 LOT 33
Legal Range	26E
Legal Township	29S
Legal Section	09
Legal Subdivision	CEDAR COVE PHASE TWO
Legal Phase	2
Legal Tract	687044
Legal Block	1
Legal Lot Number	33
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 Individual Names on Record
Mailing Address	354 VAIL DR, WINTER HAVEN, FL 33884-2832
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 11, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Mar 20, 2019	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MTG
Aug 4, 2017	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2019 · Amount on Record
Deed Sale	Mar 20, 2019 · Amount on Record
Prior Sale	Aug 4, 2017 · Amount on Record
Deed Document Number	201955121
Deed Book / Page	10782 / 1661
Last Transfer Date	Mar 16, 2023
Transfer Doc	0000063792
Record Updated	Oct 29, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Mar 20, 2023
Property Address	354 VAIL DR, WINTER HAVEN, FL 33884-2832
Document Number	0000063792
Book / Page	12621 / 475
Map Reference	MB 80 PG 12&13
Instrument Date	Mar 16, 2023
Instrument	2023063792
Transaction Type	Transfer
Record Updated	Apr 7, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 VAIL DR, WINTER HAVEN, FL 33884-2832

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	354 VAIL DR, WINTER HAVEN, FL 33884-2832
Document Number	0114601672
Instrument Date	Nov 11, 2020
Transaction Type	Mortgage
Record Updated	Dec 7, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 VAIL DR WINTER HAVEN FL 338842832, WINTER HAVEN, FL 33884-2832

Mortgage

Document Number	0114601672
Date	Nov 18, 2020
Book Page	011460/001672
Instrument	247541

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 20, 2019
Property Address	354 VAIL DR, WINTER HAVEN, FL 33884-2832
Document Number	0107821661
Book / Page	010782 / 001661
Instrument Date	Mar 19, 2019
Instrument	55121
Transaction Type	Transfer
Record Updated	Apr 1, 2019
Title Company	RIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,467.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 VAIL DR WINTER HAVEN FL 338842832, WINTER HAVEN, FL 33884-2832

Mortgage

Document Number	107821663
Date	Mar 20, 2019
Book Page	010782/001663
Instrument	55122

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 4, 2017
Property Address	354 VAIL DR, WINTER HAVEN, FL 33884-2832
Document Number	0102241220
Book / Page	010224 / 001220
Instrument Date	Jul 28, 2017
Instrument	149086
Transaction Type	Transfer
Record Updated	Aug 21, 2017
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,288.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 VAIL DR WINTER HAVEN FL 338842832, WINTER HAVEN, FL 33884-2832

Mortgage

Document Number	102241221
Date	Aug 4, 2017
Book Page	010224/001221
Instrument	149087

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2047

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		$210,316 (+2.7%)	$293,917 (+4.18%) Land $33,000 Building $260,917
2025	$2,111.00 (-21%) Homeowner's exemption	$204,787 (+5.99%)	$282,112 (+0.28%) Land $33,000 Building $249,112
2023	$2,672.00 (+2.26%) Homeowner's exemption	$193,219 (+3%)	$281,323 (+2.46%) Land $32,000 Building $249,323
2022	$2,613.00 Homeowner's exemption	$187,591	$274,575 Land $27,000 Building $247,575

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

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 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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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