Polk County property record for 3859 Gaines Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,066 sqft · built 1990 |
| Lot Size | 0.83 acres (36,142 sqft) |
| Owner | Individual Name on File |
| Last Sale | $287,500 (May 2006) |
| Tax Bill | $2,008 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-09-687040-000480 |
| Primary APN | 26-29-09-687040-000480 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,066 sqft Living Area |
| Gross Area | 2,796 sqft |
| 1st Floor Area | 2,066 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 36,142 sqft (0.83 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Porch | Florida Room |
| Porch Area | 321 sqft |
| Patio Area | 136 sqft |
| Cooling System | Central |
|---|
| Street Address | 3859 GAINES DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GANES COVE UNIT 2 PB 69 PG 14 LOT 48 |
| 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 | 48 |
| Legal Unit | 2 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 14005 |
3859 Gaines Dr is owned and occupied by an individual who bought it in May 2006.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3859 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 3, 2006 · Amount on File |
| Deed Sale | May 3, 2006 · Amount on File |
| Deed Document Number | 2006110854 |
| Deed Book / Page | 6757 / 1814 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 3859 Gaines Dr was $2,008 with a homeowner's exemption, down 23.9% from the year before.
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 | $197,173 (+2.7%) | $300,395 (-1.39%) Land $70,000 Building $230,395 | |
| 2025 | $2,008.00 (-23.94%) Homeowner's exemption | $191,989 | $304,626 Land $70,000 Building $234,626 |
| 2024 | $2,640.00 (+6.49%) | ||
| 2023 | $2,479.00 (+4.42%) Homeowner's exemption | $181,144 (+3%) | $311,079 (+13.33%) Land $68,000 Building $243,079 |
| 2022 | $2,374.00 Homeowner's exemption | $175,868 | $274,480 Land $56,000 Building $218,480 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3859 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 |
|
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 risk around 3859 Gaines Dr is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | None beyond ember reach |
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 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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