Polk County property record for 3904 Baldwin Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,109 sqft · built 2006 |
| Lot Size | 0.144 acres (6,268 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $195,000 (Mar 2017) |
| Tax Bill | $2,802 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Apr 2022 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-13-687552-000710 |
| Primary APN | 26-29-13-687552-000710 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,109 sqft Living Area |
| Gross Area | 2,603 sqft |
| 1st Floor Area | 2,109 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 6,268 sqft (0.144 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 494 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 303 sqft |
| Street Address | 3904 BALDWIN LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-5210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRADITIONS PHASE 1 PLAT BOOK 131 PGS 47 THRU 54 LOT 71 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 13 |
| Legal Subdivision | TRADITIONS PHASE 1 |
| Legal Phase | 1 |
| Legal Tract | 687552 |
| Legal Block | 1 |
| Legal Lot Number | 71 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 14401 |
3904 Baldwin Ln is owned and occupied by two individuals who acquired it in April 2022.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3904 BALDWIN LN, WINTER HAVEN, FL 33884-5210 |
| 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.
| Date | Document |
|---|---|
| May 11, 2022 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Apr 11, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Apr 5, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Mar 6, 2017 | Warranty Deed, Transfer · Conventional with PMI MOVEMENT MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2017 · Amount on File |
| Deed Sale | Mar 6, 2017 · Amount on File |
| Prior Sale | Jan 14, 2009 · Amount on File |
| Deed Document Number | 201743343 |
| Deed Book / Page | 10082 / 2146 |
| Last Transfer Date | Apr 10, 2022 |
| Transfer Doc | 0000098763 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3904 BALDWIN LN, WINTER HAVEN, FL 33884-5210 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3904 BALDWIN LN, WINTER HAVEN, FL 33884-5210 |
| Document Number | 0000129609 |
|---|---|
| Date | May 11, 2022 |
| Book Page | 12249/1920 |
| Instrument | 2022129609 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 11, 2022 |
| Property Address | 3904 BALDWIN LN, WINTER HAVEN, FL 33884-5210 |
| Document Number | 0000098763 |
| Book / Page | 12204 / 1973 |
| Map Reference | MB 131 PG 47 |
| Instrument Date | Apr 10, 2022 |
| Instrument | 2022098763 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3904 BALDWIN LN, WINTER HAVEN, FL 33884-5210 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 5, 2018 |
| Property Address | 3904 BALDWIN LN, WINTER HAVEN, FL 33884-5210 |
| Document Number | 0104440429 |
| Book / Page | 010444 / 000429 |
| Instrument Date | Apr 3, 2018 |
| Instrument | 71930 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 3904 BALDWIN LN WINTER HAVEN FL 338845210, WINTER HAVEN, FL 33884-5210 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 6, 2017 |
| Property Address | 3904 BALDWIN LN, WINTER HAVEN, FL 33884-5210 |
| Document Number | 0100822146 |
| Book / Page | 010082 / 002146 |
| Instrument Date | Feb 24, 2017 |
| Instrument | 43343 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2020 |
| Title Company | PARAMOUNT TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,365.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3904 BALDWIN LN WINTER HAVEN FL 338845210, WINTER HAVEN, FL 33884-5210 |
| Document Number | 100822148 |
|---|---|
| Date | Mar 6, 2017 |
| Book Page | 010082/002148 |
| Instrument | 43344 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | 841 SEAHAWK CIR, VIRGINIA BEACH, VA 23452-7809 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 5, 2047 |
The 2025 property tax bill for 3904 Baldwin Ln was $2,802 with a homeowner's exemption, up 3.4% from the year before.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $198,520 (+2.7%) | $235,131 (-10.76%) Land $42,000 Building $193,131 | |
| 2025 | $2,802.00 (+3.36%) Homeowner's exemption | $193,301 | $263,487 Land $42,000 Building $221,487 |
| 2024 | $2,711.00 (+2.88%) | ||
| 2023 | $2,635.00 (+3.13%) Homeowner's exemption | $182,382 (+3%) | $258,030 (+8.21%) Land $40,000 Building $218,030 |
| 2022 | $2,555.00 Homeowner's exemption | $177,070 | $238,443 Land $33,000 Building $205,443 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3904 Baldwin Ln in Zone X, an area of minimal flood risk, within 100 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 Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 35 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 35 in force |
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 3904 Baldwin Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 454 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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