3655 Giorgio Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 3655 Giorgio Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,522 sqft · built 2023
Lot Size	0.101 acres (4,404 sqft)
Owner	2 Individual Names on File
Last Sale	$335,990 (May 2023)
Tax Bill	$5,289 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-23-690583-000200`

Property Details

APN / Parcel Number

Primary APN	`26-29-23-690583-000200`
Alternative APN	`232926690583000200`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,522 sqft Living Area
Gross Area	2,940 sqft
1st Floor Area	1,052 sqft
Upper Floors Area	1,470 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	4,404 sqft (0.101 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	418 sqft
Porch	Unfinished Open Porch
Porch Area	30 sqft

Location & Zoning

Street Address	3655 GIORGIO DR
City	WINTER HAVEN
State	FL
Zip	33884-3483
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAMAR PHASE 5 PB 194 PG 46-51 LOT 20
Legal Subdivision	VILLAMAR PHASE 5
Legal Block	4
Legal Lot Number	20
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4029
Census Tract	14501

Owner

3655 Giorgio Dr is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	3655 GIORGIO DR, WINTER HAVEN, FL 33884-3483
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2023 · Amount on File
Deed Sale	May 2, 2023 · Amount on File
Deed Document Number	2023101434
Deed Book / Page	12674 / 881
Record Updated	Oct 29, 2026

May 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 2, 2023
Property Address	3655 GIORGIO DR, WINTER HAVEN, FL 33884-3483
Document Number	0000101434
Book / Page	12674 / 881
Map Reference	MB 194 PG 46-51
Instrument Date	Apr 27, 2023
Instrument	2023101434
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 9, 2024
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,352.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7835 OSCEOLA POLK LINE RD, DAVENPORT, FL 33896-9100

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3655 GIORGIO DR, WINTER HAVEN, FL 33884-3483

Mortgage

Document Number	0012674882
Date	May 2, 2023
Instrument	12674/882

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 3655 Giorgio Dr was $5,289 with a homeowner's exemption.

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		$280,947 (-0.68%) Land $50,000 Building $230,947	$280,947 (-0.68%) Land $50,000 Building $230,947
2025	$5,289.00	$282,874 Land $50,000 Building $232,874	$282,874 Land $50,000 Building $232,874

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

Flood

FEMA maps place 3655 Giorgio Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 97 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	97 in force
Nearby Flood Claims	8 (2004–2022)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 2 claims Tropical Storm Bonnie And Hurricane Charley, Aug 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

Wildfire risk around 3655 Giorgio Dr is high, ranking above 78% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 78% of the US · above 66% of Florida
Wildfire Likelihood	0.5% 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 250 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20