Polk County property record for 372 Vail Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,994 sqft · built 1994 |
| Lot Size | 1.23 acres (53,701 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,485 (Jan 2022) |
| Tax Bill | $3,316 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 26-29-09-687044-000420 |
| Primary APN | 26-29-09-687044-000420 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,994 sqft Living Area |
| Gross Area | 2,434 sqft |
| 1st Floor Area | 1,994 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 53,701 sqft |
| Lot Dimensions | 488 ft deep x 110 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 40 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 372 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 42 |
| 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 | 42 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1049 |
| Census Tract | 14600 |
Source: Polk County records · APN 26-29-09-687044-000420
Assessment roll updated June 23, 2026 · Last verified July 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 | 1254 CLOVE DR, KISSIMMEE, FL 34759-5406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2022 | Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Sep 05, 2018 | Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU ISAOA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 19, 2022 · Amount on Record |
| Deed Sale | Jan 19, 2022 · Amount on Record |
| Prior Sale | Sep 05, 2018 · Amount on Record |
| Deed Document Number | 202215453 |
| Deed Book / Page | 12078 / 469 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 19, 2022 |
| Property Address | 372 VAIL DR, WINTER HAVEN, FL 33884-2832 |
| Document Number | 0000015453 |
| Book / Page | 12078 / 469 |
| Map Reference | MB 80 PG 12 |
| Instrument Date | Jan 14, 2022 |
| Instrument | 2022015453 |
| Transaction Type | Transfer |
| Record Updated | Feb 03, 2022 |
| Title Company | SAGE TITLE AND ESCROW SERVICES INC, SAGE TITLE & ESCROW SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 372 VAIL DR, 372, WINTER HAVEN, FL 33884-2832 |
| Name | Verified Name |
|---|---|
| Address | 1254 CLOVE DR, POINCIANA, FL 34759-5406 |
| Document Number | 0012078471 |
|---|---|
| Date | Jan 19, 2022 |
| Instrument | 12078/471 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 05, 2018 |
| Property Address | 372 VAIL DR, WINTER HAVEN, FL 33884-2832 |
| Document Number | 0106020048 |
| Book / Page | 010602 / 000048 |
| Instrument Date | Aug 29, 2018 |
| Instrument | 188138 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2018 |
| Title Company | PARAMOUNT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,645.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 372 VAIL DR WINTER HAVEN FL 338842832, WINTER HAVEN, FL 33884-2832 |
| Document Number | 106020050 |
|---|---|
| Date | Sep 05, 2018 |
| Book Page | 010602/000050 |
| Instrument | 188139 |
| Name | MIDFLORIDA CU ISAOA |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802-8008 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 04, 2033 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 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 | $3,316.00 (-18.47%) Homeowner's exemption | $290,703 (-0.32%) Land $44,000 Building $246,703 | $290,703 (-0.32%) Land $44,000 Building $246,703 |
| 2023 | $4,067.00 (+70.45%) Homeowner's exemption | $291,636 (+70.54%) Land $42,000 Building $249,636 | $291,636 (+2.34%) Land $42,000 Building $249,636 |
| 2022 | $2,386.00 | $171,005 | $284,957 Land $35,000 Building $249,957 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 133.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 64% of the US · lower than 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Frontier.
Based on FCC filings for 123 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System 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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