3801 Gaines Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 3801 Gaines Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,964 sqft · built 1979
Lot Size	0.505 acres (22,011 sqft)
Owner	Individual Name on File
Tax Bill	$1,683 (2025)
Deeds & Mortgages	Dec 2019 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-09-687010-000390`

Property Details

APN / Parcel Number

Primary APN	`26-29-09-687010-000390`
Alternative APNs	`092926687010000390` `92926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,964 sqft Living Area
Gross Area	2,620 sqft
1st Floor Area	1,964 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	22,011 sqft (0.505 acres)
Lot Dimensions	220 ft deep x 100 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	450 sqft
Porch	Florida Room
Porch Area	216 sqft

Location & Zoning

Street Address	3801 GAINES DR
City	WINTER HAVEN
State	FL
Zip	33884-2809
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GAINES COVE PB 65 PG 4 LOT 39
Legal Range	26E
Legal Township	29S
Legal Section	09
Legal Subdivision	GAINES COVE
Legal Tract	687010
Legal Block	2
Legal Lot Number	39
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2054
Census Tract	14005

Owner

3801 Gaines Dr is owned and occupied by an individual who acquired it in November 2019.

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

Owner of Record	Individual Name on File
Mailing Address	3801 GAINES DR, WINTER HAVEN, FL 33884-2809
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

Date	Document
Dec 9, 2019	Reverse Mortgage, Mortgage ONE REVERSE MTG
May 23, 2018	Deed of Trust, Mortgage · FHA Mortgage COASTAL STATES MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 20, 2019
Transfer Doc	0000260694
Record Updated	Oct 29, 2026

December 2019: Reverse Mortgage, Mortgage

Document Type	Reverse Mortgage
Jurisdiction	POLK FL
Recording Date	Dec 9, 2019
Property Address	3801 GAINES DR, WINTER HAVEN, FL 33884-2809
Document Number	0110681183
Book / Page	011068 / 001183
Instrument Date	Nov 20, 2019
Instrument	260694
Transaction Type	Mortgage
Record Updated	Dec 30, 2019
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3801 GAINES DR WINTER HAVEN FL 338842809, WINTER HAVEN, FL 33884-2809

Mortgage

Document Number	110681185
Date	Dec 9, 2019
Book Page	011068/001185
Instrument	260695

Lender

Name	ONE REVERSE MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Amount	Amount on Record
Term	960 Months
Due	Dec 8, 2099

Interest

Rate Type	Adjustable Rate
Rate	4.46%

Mortgage

Document Number	110681200,
Date	Dec 9, 2019
Book Page	011068/001200
Instrument	260696

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	960 Months
Due	Dec 8, 2099

Interest

Rate Type	Adjustable Rate
Rate	4.46%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3801 GAINES DR, WINTER HAVEN, FL 33884-2809
Document Number	0105002142
Instrument Date	May 23, 2018
Transaction Type	Mortgage
Record Updated	Jun 21, 2018
Title Company	MORTGAGE INFORMATION SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3801 GAINES DR WINTER HAVEN FL 338842809, WINTER HAVEN, FL 33884-2809

Mortgage

Document Number	0105002142
Date	May 30, 2018
Book Page	010500/002142
Instrument	115572

Lender

Name	COASTAL STATES MTG
Type	Mortgage Company
Address	SE HICKORY, NC 28602

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	972 Months
Due	May 29, 2099

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3801 Gaines Dr was $1,683 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$177,164 (+2.7%)	$298,980 (+2.72%) Land $70,000 Building $228,980
2025	$1,683.00 Homeowner's exemption	$172,506	$291,052 Land $70,000 Building $221,052
2023	$2,179.00 (+1.97%) Homeowner's exemption	$162,761 (+3%)	$294,757 (+11.79%) Land $68,000 Building $226,757
2022	$2,137.00 Homeowner's exemption	$158,020	$263,671 Land $56,000 Building $207,671

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

Flood

FEMA maps place 3801 Gaines Dr in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 33 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	13 (1978–2026)
Claims Outside the SFHA	6 of 13
Most Recent Claim	Jun 2026 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims 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

Wildfire risk around 3801 Gaines Dr is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct 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 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 123 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 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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