356 3rd St NW, Winter Haven, FL 33881 Property Records

Polk County property record for 356 3rd St NW, Winter Haven, FL 33881

Property Summary

Property Type	Store with Apartments
Details	5,044 sqft · built 1928
Lot Size	0.057 acres (2,500 sqft)
Owner	Company Name on File
Last Sale	$345,000 (Feb 2017)
Tax Bill	$7,352 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Sep 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-20-554000-009040`

Property Details

APN / Parcel Number

Primary APN	`26-28-20-554000-009040`
Alternative APNs	`202826554000009040` `02826000`

Interior

Stories	1 Story
Building Area	5,044 sqft Gross Area
1st Floor Area	5,044 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 2010
Architectural Style	Multi-Family
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	2,500 sqft (0.057 acres)
View / Lot	Commercial
Total Buildings	2 Buildings

Location & Zoning

Street Address	356 3RD ST NW
City	WINTER HAVEN
State	FL
Zip	33881-4002
Property Category	Commercial
Property Type	Commercial > Retail > Store with Apartments
Local Zoning Code	BR
Legal Description	SILVER SHORES PB 19 PGS 36 36A BLK 9 LOT 4 S20/29 T28 R26
Legal Range	26E
Legal Township	28S
Legal Section	20
Legal Subdivision	SILVER SHORES
Legal Block	9
Legal Lot Number	4
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2002
Census Tract	13701

Owner

356 3rd St NW, a commercial property, is owned by a company that bought it in February 2017.

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

Owner of Record	Company Name on File
Mailing Address	32 GOLFVIEW CIR NE, WINTER HAVEN, FL 33881-4302
Owner Type	Company

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 22, 2024	Deed of Trust, Mortgage · Line of Credit CREWS BANK & TRUST
Sep 28, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WAUCHULA STATE BANK
Jan 9, 2019	Loan Modification, Mortgage · Conventional Mortgage WAUCHULA ST BK
Mar 21, 2018	Trustee's Deed, Construction Loan · Line of Credit WAUCHULA ST BK
Feb 15, 2017	Warranty Deed, Transfer · Line of Credit WAUCHULA ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2017 · Amount on File
Deed Sale	Feb 15, 2017 · Amount on File
Prior Sale	Feb 1, 2017 · Amount on File
Deed Document Number	201729752
Deed Book / Page	10066 / 314
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	356 3RD ST NW, WINTER HAVEN, FL 33881-4002
Transaction Type	Mortgage
Record Updated	May 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 GOLFVIEW CIR NE, WINTER HAVEN, FL 33881-4302

Mortgage

Document Number	0000091293
Date	Apr 22, 2024
Book Page	13085/2015
Instrument	2024091293

Lender

Name	CREWS BANK & TRUST
Type	Bank
Address	WAUCHULA, FL 33873

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 17, 2034

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	356 3RD ST NW, WINTER HAVEN, FL 33881-4002
Transaction Type	Mortgage
Record Updated	Feb 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000227809
Date	Sep 28, 2023
Book Page	12852/790
Instrument	2023227809

Lender

Name	WAUCHULA STATE BANK
Type	Bank
Address	WAUCHULA, FL 33873

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	356 3RD ST NW, WINTER HAVEN, FL 33881-4002
Document Number	0107242253
Instrument Date	Jan 9, 2019
Transaction Type	Mortgage
Record Updated	Jan 29, 2019

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	32 GOLFVIEW CIR NE WINTER HAVEN FL 338814302, WINTER HAVEN, FL 33881-4302

Mortgage

Document Number	0107242253
Date	Jan 16, 2019
Book Page	010724/002253
Instrument	9835

Lender

Name	WAUCHULA ST BK
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 15, 2039

March 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	POLK FL
Recording Date	Mar 21, 2018
Property Address	356 3RD ST NW, WINTER HAVEN, FL 33881-4002
Document Number	0104300227
Book / Page	010430 / 000227
Instrument Date	Feb 9, 2018
Instrument	61181
Transaction Type	Construction Loan
Record Updated	Apr 23, 2018
Title Company	ADVANTAGE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	32 GOLFVIEW CIR NE WINTER HAVEN FL 338814302, WINTER HAVEN, FL 33881-4302

Mortgage

Document Number	104300227
Date	Mar 21, 2018
Book Page	010430/000227
Instrument	61181

Lender

Name	WAUCHULA ST BK
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Mar 20, 2019

Interest

Rate Type	Adjustable Rate

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 15, 2017
Property Address	356 3RD ST NW, WINTER HAVEN, FL 33881-4002
Document Number	0100660314
Book / Page	010066 / 000314
Instrument Date	Feb 9, 2017
Instrument	29752
Transaction Type	Transfer
Record Updated	Aug 4, 2017
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$16.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	32 GOLFVIEW CIR NE WINTER HAVEN FL 338814302, WINTER HAVEN, FL 33881-4302

Mortgage

Document Number	100660316
Date	Feb 15, 2017
Book Page	010066/000316
Instrument	29753

Lender

Name	WAUCHULA ST BK
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Feb 14, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 356 3rd St NW was $7,352, up 2% 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		$381,857 (-1.2%) Land $12,495 Building $369,362	$381,857 (-1.2%) Land $12,495 Building $369,362
2025	$7,352.00 (+1.96%)	$386,507 Land $9,496 Building $377,011	$386,507 Land $9,496 Building $377,011
2024	$7,211.00 (-5.91%)
2023	$7,664.00 (+8.66%)	$400,268 (+8.86%) Land $9,496 Building $390,772	$400,268 (+8.86%) Land $9,496 Building $390,772
2022	$7,053.00	$367,699 Land $9,496 Building $358,203	$367,699 Land $9,496 Building $358,203

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

Flood

FEMA maps place 356 3rd St NW in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.

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 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2001 · rainfall accumulation

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

The area around 356 3rd St NW has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 166 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
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, T-Mobile, Verizon.

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