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3853 Gaines Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 3853 Gaines Dr, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,646 sqft · built 1984
Lot Size0.551 acres (23,988 sqft)
OwnerIndividual Name on Record
Last Sale$140,500 (Jul 1995)
Tax Bill$2,438 (2025)
Deeds & MortgagesJun 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-09-687040-000510

Property Details

APN / Parcel Number

Primary APN26-29-09-687040-000510
Alternative APNs
  • 092926687040000510
  • 92926000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,646 sqft Living Area
Gross Area3,270 sqft
1st Floor Area2,646 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area23,988 sqft (0.551 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area624 sqft

Exterior Amenities

Pool TypeEnclosed Pool
Pool Area450 sqft
PorchScreened/Unfinished Porch
Porch Area240 sqft
Patio Area252 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address3853 GAINES DR
CityWINTER HAVEN
StateFL
Zip33884-2809
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGANES COVE UNIT NUMBER TWO PB 69 PG 14 LOT 51
Legal Range26E
Legal Township29S
Legal Section09
Legal SubdivisionGAINES COVE UNIT NO TWO
Legal Tract687040
Legal Block2
Legal Lot Number51
Legal UnitNUMBER
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2054
Census Tract14005

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 Address3853 GAINES DR, WINTER HAVEN, FL 33884-2809
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 17, 1995 · Amount on Record
Deed SaleJul 17, 1995 · Amount on Record
Deed Book / Page3554 / 419
Record UpdatedOct 29, 2026

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address3853 GAINES DR, WINTER HAVEN, FL 33884-2809
Document Number0101750423
Book / Page010175 / 000423
Instrument DateJun 6, 2017
Transaction TypeMortgage
Record UpdatedJun 28, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3853 GAINES DR WINTER HAVEN FL 338842809, WINTER HAVEN, FL 33884-2809

Mortgage

Document Number0101750423
DateJun 13, 2017
Book Page010175/000423
Instrument112706
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJun 12, 2032

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$230,505 (+2.7%)$340,156 (+0.52%) Land $70,000 Building $270,156
2025$2,438.00 (-15.7%) Homeowner's exemption$224,445 (+5.99%)$338,406 (-2.6%) Land $70,000 Building $268,406
2023$2,892.00 (+3.99%) Homeowner's exemption$211,767 (+3%)$347,438 (+11.77%) Land $68,000 Building $279,438
2022$2,781.00 Homeowner's exemption$205,599$310,837 Land $56,000 Building $254,837

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

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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