Polk County property record for 358 Vail Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,842 sqft · built 1994 |
| Lot Size | 0.251 acres (10,920 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $15,800 (Nov 1993) |
| Tax Bill | $1,181 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Jun 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-09-687044-000350 |
| Primary APN | 26-29-09-687044-000350 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,842 sqft Living Area |
| Gross Area | 2,031 sqft |
| 1st Floor Area | 1,590 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Other |
| 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 | 441 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Porch | Screened/Unfinished Porch |
| Porch Area | 220 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 358 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 35 |
| 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 | 35 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1049 |
| Census Tract | 14600 |
Source: Polk County assessment roll, APN 26-29-09-687044-000350, as of July 23, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | PO BOX 2582, WINTER HAVEN, FL 33883-2582 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| May 31, 2023 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC |
| Jun 05, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 17, 1993 · Amount on Record |
| Deed Sale | Nov 17, 1993 · Amount on Record |
| Deed Book / Page | 3310 / 1688 |
| Last Transfer Date | Sep 27, 2010 |
| Transfer Doc | 0000155033 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 358 VAIL DR, WINTER HAVEN, FL 33884-2832 |
| Transaction Type | Mortgage |
| Record Updated | Jan 02, 2024 |
| Name | Verified Name |
|---|---|
| Address | 358 VAIL DR, WINTER HAVEN, FL 33884-2832 |
| Document Number | 0000125936 |
|---|---|
| Date | May 31, 2023 |
| Book Page | 12709/797 |
| Instrument | 2023125936 |
| Name | AMERICAN INTERNET MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 358 VAIL DR, WINTER HAVEN, FL 33884-2832 |
| Document Number | 0101771731 |
| Instrument Date | Jun 05, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 358 VAIL DR WINTER HAVEN FL 338842832, WINTER HAVEN, FL 33884-2832 |
| Document Number | 0101771731 |
|---|---|
| Date | Jun 15, 2017 |
| Book Page | 010177/001731 |
| Instrument | 114696 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Polk County assessment roll as of July 23, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,181.00 (-34.32%) Homeowner's exemption | $129,575 (+5.99%) | $272,263 (-0.13%) Land $33,000 Building $239,263 |
| 2023 | $1,798.00 (+6.83%) Homeowner's exemption | $122,255 (+3%) | $272,605 (+5.45%) Land $32,000 Building $240,605 |
| 2022 | $1,683.00 Homeowner's exemption | $118,694 | $258,515 Land $27,000 Building $231,515 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), as of October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050146001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
|
| 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 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.
Source: FCC Broadband Data Collection, 282 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Frontier.
Source: EPA Safe Drinking Water Information System, water system FL6531992, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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