3873 Giorgio Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 3873 Giorgio Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,957 sqft · built 2025
Lot Size	0.126 acres (5,502 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Jul 2026)
Tax Bill	$972 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-15-688505-002920`

Property Details

APN / Parcel Number

Primary APN	`26-29-15-688505-002920`
Alternative APN	`152926688505002920`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,957 sqft Living Area
Gross Area	2,398 sqft
1st Floor Area	1,957 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	5,502 sqft (0.126 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Slab

Location & Zoning

Street Address	3873 GIORGIO DR
City	WINTER HAVEN
State	FL
Zip	33884-3753
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAMAR PHASE 6 AND PHASE 6D PB 203 PGS 7-17 LOT 292
Legal Subdivision	VILLAMAR PHASE 6 AND PHASE 6D
Legal Lot Number	292
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4029
Census Tract	14501

Owner

3873 Giorgio Dr is owned and occupied by an individual who bought it in July 2026.

Source: Polk County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	3873 GIORGIO DR, WINTER HAVEN, FL 33884-3753
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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 Names	Name on Deed
Last Sale	Jul 6, 2026 · Amount on File
Deed Sale	Jul 6, 2026 · Amount on File
Prior Sale	Jun 6, 2024 · Amount on File
Deed Document Number	2026159113
Deed Book / Page	14062 / 1118
Record Updated	Oct 29, 2026

July 2026: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 6, 2026
Property Address	3873 GIORGIO DR, WINTER HAVEN, FL 33884-3753
Document Number	0000159113
Book / Page	14062 / 1118
Instrument Date	Jun 30, 2026
Instrument	2026159113
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 21, 2026
Title Company	CAREFREE TITLE AGENCY INC, CAREFREE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$194,425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3873 GIORGIO DR, WINTER HAVEN, FL 33884-3753

Mortgage

Document Number	0000159114,
Date	Jul 6, 2026
Instrument	2026159114

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 3873 Giorgio Dr was $972, down 68.4% from the year before.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$240,594 (+362.68%) Land $52,000 Building $188,594	$240,594 (+362.68%) Land $52,000 Building $188,594
2025	$972.00 (-68.37%)	$52,000 Land $52,000	$52,000 Land $52,000
2024	$3,073.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3873 Giorgio Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2004.

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 97 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	97 in force
Nearby Flood Claims	8 (2004–2022)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 2 claims Tropical Storm Bonnie And Hurricane Charley, Aug 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 3873 Giorgio Dr is high, ranking above 82% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 82% of the US · above 72% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct 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 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

Violations Reported to EPA

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.