Polk County property record for 3854 Gaines Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,243 sqft · built 1983 |
| Lot Size | 0.5 acres (21,793 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $154,000 (Apr 1996) |
| Tax Bill | $2,400 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-09-687040-000460 |
| Primary APN | 26-29-09-687040-000460 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,243 sqft Living Area |
| Gross Area | 2,795 sqft |
| 1st Floor Area | 2,243 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 21,793 sqft (0.5 acres) |
| Lot Dimensions | 185 ft deep x 117 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 512 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 849 sqft |
| Street Address | 3854 GAINES DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2810 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GAINES COVE UNIT NUMBER TWO PB 69 PG 14 LOT 46 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 09 |
| Legal Subdivision | GAINES COVE UNIT NO TWO |
| Legal Tract | 687040 |
| Legal Block | 2 |
| Legal Lot Number | 46 |
| Legal Unit | NUMBER |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 14005 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 3854 GAINES DR, WINTER HAVEN, FL 33884-2810 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 26, 1996 · Amount on Record |
| Deed Sale | Apr 26, 1996 · Amount on Record |
| Deed Book / Page | 3669 / 1720 |
| Record Updated | Oct 29, 2026 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $227,522 (+2.7%) | $348,427 (+0.85%) Land $70,000 Building $278,427 | |
| 2025 | $2,400.00 (-15.94%) Homeowner's exemption | $221,540 (+5.99%) | $345,491 (-2.46%) Land $70,000 Building $275,491 |
| 2023 | $2,855.00 (+4.01%) Homeowner's exemption | $209,025 (+3%) | $354,189 (+13.32%) Land $68,000 Building $286,189 |
| 2022 | $2,745.00 Homeowner's exemption | $202,937 | $312,569 Land $56,000 Building $256,569 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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