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3810 Gaines Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 3810 Gaines Dr, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,642 sqft · built 1987
Lot Size1.21 acres (52,947 sqft)
Owner2 Individual Names on File
Tax Bill$2,475 (2025)
Deeds & MortgagesMar 2017 Transfer
Flood ZoneZone X (minimal risk)
APN26-29-09-687010-000130

Property Details

APN / Parcel Number

Primary APN26-29-09-687010-000130
Alternative APNs
  • 092926687010000130
  • 92926000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,642 sqft Living Area
Gross Area3,234 sqft
1st Floor Area2,418 sqft
Upper Floors Area224 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable
Roof MaterialOther
Lot Area52,947 sqft
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area592 sqft
PorchUnfinished Open Porch
Porch Area920 sqft
Patio Area210 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address3810 GAINES DR
CityWINTER HAVEN
StateFL
Zip33884-2808
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGAINES COVE PB 65 PG 4 LOT 13
Legal Range26E
Legal Township29S
Legal Section09
Legal SubdivisionGAINES COVE
Legal Tract687010
Legal Block2
Legal Lot Number13
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2054
Census Tract14005

Owner

3810 Gaines Dr is owned and occupied by two individuals who acquired it in March 2017.

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

Owner of Record2 Individual Names on File
Mailing Address3810 GAINES DR, WINTER HAVEN, FL 33884-2808
OccupancyOwner Occupied
Owner TypeIndividual

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 Names2 Names on Deed
Last Transfer DateMar 17, 2017
Transfer Doc0100990510
Record UpdatedOct 29, 2026

March 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateMar 23, 2017
Property Address3810 GAINES DR, WINTER HAVEN, FL 33884-2808
Document Number0100990510
Book / Page010099 / 000510
Instrument DateMar 17, 2017
Instrument55931
Transaction TypeTransfer
Record UpdatedJun 16, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address3810 GAINES DR WINTER HAVEN FL 338842808, WINTER HAVEN, FL 33884-2808

Tax Assessment & Valuation

The 2025 property tax bill for 3810 Gaines Dr was $2,475 with a homeowner's exemption, down 2% from the year before.

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$233,347 (+2.7%)$363,350 (-1.29%) Land $70,000 Building $293,350
2025$2,475.00 (-20.03%) Homeowner's exemption$227,212$368,115 Land $70,000 Building $298,115
2024$3,095.00 (+5.74%)
2023$2,927.00 (+3.94%) Homeowner's exemption$214,378 (+3%)$375,783 (+15.22%) Land $68,000 Building $307,783
2022$2,816.00 Homeowner's exemption$208,134$326,154 Land $56,000 Building $270,154

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

Flood

FEMA maps place 3810 Gaines 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 33 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies33 in force
Nearby Flood Claims13 (1978–2026)
Claims Outside the SFHA6 of 13
Most Recent ClaimJun 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 3810 Gaines Dr is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire RiskModerate
above 52% of the US · lower than 77% of Florida
Wildfire Likelihood0.1% 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.

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