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370 Vail Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 370 Vail Dr, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,794 sqft · built 1993
Lot Size0.258 acres (11,247 sqft)
OwnerIndividual Name on Record
Last Sale$115,300 (Oct 1993)
Tax Bill$712 (2025)
Deeds & MortgagesFeb 2024 Reverse Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-09-687044-000410

Property Details

APN / Parcel Number

Primary APN26-29-09-687044-000410
Alternative APNs
  • 092926687044000410
  • 92926000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,794 sqft Living Area
Gross Area2,300 sqft
1st Floor Area1,794 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 1993
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area11,247 sqft (0.258 acres)
Lot Dimensions137 ft deep x 79 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area506 sqft

Exterior Amenities

Pool TypeEnclosed Pool
Pool Area450 sqft
PorchScreened/Unfinished Porch
Porch Area386 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address370 VAIL DR
CityWINTER HAVEN
StateFL
Zip33884-2832
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCEDAR COVE PHASE TWO PB 80 PGS 12 & 13 LOT 41
Legal Range26E
Legal Township29S
Legal Section09
Legal SubdivisionCEDAR COVE PHASE TWO
Legal Phase2
Legal Tract687044
Legal Block1
Legal Lot Number41
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1049
Census Tract14600

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 RecordIndividual Name on Record
Mailing Address370 VAIL DR, WINTER HAVEN, FL 33884-2832
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 11, 1993 · Amount on Record
Deed SaleOct 11, 1993 · Amount on Record
Deed Book / Page3295 / 200
Record UpdatedOct 29, 2026

February 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address370 VAIL DR, WINTER HAVEN, FL 33884-2832
Transaction TypeMortgage
Record UpdatedFeb 13, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address370 VAIL DR, WINTER HAVEN, FL 33884-2832

Mortgage

Document Number0000024840
DateFeb 1, 2024
Book Page12992/1381
Instrument2024024840
Lender
NameFINANCE OF AMERICA REVERSE LLC
TypeReverse Mortgage Lender
AddressTULSA, OK 74133
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term892 Months
DueMay 31, 2098
Interest
Rate TypeAdjustable Rate
Rate6.85%
AdjustableAdjustable Rate Rider
Type Change DateMar 1, 2024
Change FrequencyMonthly
Index1-Year T-Bill
Max Rate11.8%

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$125,660 (+2.7%)$291,464 (+4.28%) Land $33,000 Building $258,464
2025$712.00 (-51.03%) Homeowner's exemption Senior Citizen's exemption$122,356 (+5.99%)$279,505 (-1.35%) Land $33,000 Building $246,505
2024$1,454.00 (-14.02%)
2023$1,691.00 (+7.09%) Homeowner's exemption$115,445 (+3%)$283,328 (+4.91%) Land $32,000 Building $251,328
2022$1,579.00 Homeowner's exemption$112,083$270,074 Land $27,000 Building $243,074

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 15 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies15 in force
Nearby Flood Claims3 (2004–2024)
Claims Outside the SFHA1 of 3
Most Recent ClaimOct 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 RiskModerate
above 64% of the US · lower than 60% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 123 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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