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3829 Gaines Ct, Winter Haven, FL 33884 Property Records

Polk County property record for 3829 Gaines Ct, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,374 sqft · built 1988
Lot Size0.492 acres (21,449 sqft)
Owner2 Individual Names on File
Last Sale$128,000 (Mar 2005)
Tax Bill$2,212 (2025)
Deeds & MortgagesFeb 2026 Transfer
Flood ZoneZone X (minimal risk)
APN26-29-09-687010-000260

Property Details

APN / Parcel Number

Primary APN26-29-09-687010-000260
Alternative APNs
  • 092926687010000260
  • 92926000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,374 sqft Living Area
Gross Area2,893 sqft
1st Floor Area1,492 sqft
Upper Floors Area882 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area21,449 sqft (0.492 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area519 sqft
PorchScreened/Unfinished Porch
Porch Area335 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address3829 GAINES CT
CityWINTER HAVEN
StateFL
Zip33884-2803
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGAINES COVE PB 65 PG 4 LOT 26
Legal Range26E
Legal Township29S
Legal Section09
Legal SubdivisionGAINES COVE
Legal Tract687010
Legal Block2
Legal Lot Number26
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2054
Census Tract14005

Owner

3829 Gaines Ct is owned and occupied by two individuals who acquired it in January 2026.

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

Owner of Record2 Individual Names on File
Mailing Address3829 GAINES CT, WINTER HAVEN, FL 33884-2803
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

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 SaleMar 25, 2005 · Amount on File
Deed SaleMar 25, 2005 · Amount on File
Deed Document Number200566813
Deed Book / Page6135 / 31
Last Transfer DateJan 30, 2026
Transfer Doc0000027503
Record UpdatedOct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateFeb 3, 2026
Property Address3829 GAINES CT, WINTER HAVEN, FL 33884-2803
Document Number0000027503
Book / Page13868 / 2263
Map ReferenceMB 65 PG 4
Instrument DateJan 30, 2026
Instrument2026027503
Transaction TypeTransfer
Record UpdatedFeb 16, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3829 GAINES CT, WINTER HAVEN, FL 33884-2803

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address8760 PINNACLE PARK BLVD APT 1238, 1238, JACKSONVILLE, FL 32256-3117

Tax Assessment & Valuation

The 2025 property tax bill for 3829 Gaines Ct was $2,212.

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$218,087 (+2.7%)$369,954 (-0.71%) Land $120,000 Building $249,954
2025$2,212.00 Homeowner's exemption$212,353$372,612 Land $120,000 Building $252,612
2023$2,738.00 (+4.11%) Homeowner's exemption$200,357 (+3%)$373,627 (+21.19%) Land $115,000 Building $258,627
2022$2,630.00 Homeowner's exemption$194,521$308,300 Land $94,000 Building $214,300

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

Flood

FEMA maps place 3829 Gaines Ct 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 3829 Gaines Ct is low, with a 0.03% annual chance of wildfire.

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

Wildfire RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
beyond ember reach

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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