Polk County property record for 3905 Conine Dr E, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,458 sqft · built 1977 |
| Lot Size | 0.605 acres (26,367 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,378 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Dec 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-09-529600-000180 |
| Primary APN | 26-28-09-529600-000180 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,458 sqft Living Area |
| Gross Area | 2,204 sqft |
| 1st Floor Area | 1,458 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 26,367 sqft (0.605 acres) |
| Lot Dimensions | 257 ft deep x 91 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 380 sqft |
| Shed | 1 Shed |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|
| Street Address | 3905 CONINE DR E |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-9644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | ROCHELLE GARDENS PB 38 PG 49 LOT 18 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 09 |
| Legal Subdivision | ROCHELLE GARDENS |
| Legal Tract | 529600 |
| Legal Block | 2 |
| Legal Lot Number | 18 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 12803 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3905 CONINE DR E, WINTER HAVEN, FL 33881-9644 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 2, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU |
| Dec 6, 2022 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| May 1, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| May 19, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 24, 2018 |
| Transfer Doc | 0104710241 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3905 CONINE DR E, WINTER HAVEN, FL 33881-9644 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3905 CONINE DR E, WINTER HAVEN, FL 33881-9644 |
| Document Number | 0000000965 |
|---|---|
| Date | Jan 2, 2026 |
| Book Page | 13831/1954 |
| Instrument | 2026000965 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3905 CONINE DR E, WINTER HAVEN, FL 33881-9644 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000314891 |
|---|---|
| Date | Dec 6, 2022 |
| Book Page | 12507/584 |
| Instrument | 2022314891 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 15, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 1, 2018 |
| Property Address | 3905 CONINE DR E, WINTER HAVEN, FL 33881-9644 |
| Document Number | 0104710241 |
| Book / Page | 010471 / 000241 |
| Instrument Date | Apr 24, 2018 |
| Instrument | 93060 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3905 CONINE DR E WINTER HAVEN FL 338819644, WINTER HAVEN, FL 33881-9644 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 19, 2017 |
| Property Address | 3905 CONINE DR E, WINTER HAVEN, FL 33881-9644 |
| Document Number | 0101520470 |
| Book / Page | 010152 / 000470 |
| Instrument Date | May 18, 2017 |
| Instrument | 96260 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3905 LAKE CONINE DR E WINTER HAVEN FL 33881, WINTER HAVEN, FL 33881 |
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 | $148,376 (+2.7%) | $289,447 (+1.09%) Land $74,000 Building $215,447 | |
| 2025 | $1,378.00 (-30.54%) Homeowner's exemption | $144,475 (+5.99%) | $286,337 (+7.56%) Land $74,000 Building $212,337 |
| 2024 | $1,984.00 (+38.94%) | ||
| 2023 | $1,428.00 (+5%) Homeowner's exemption | $136,314 (+3%) | $266,222 (+7.83%) Land $72,000 Building $194,222 |
| 2022 | $1,360.00 Homeowner's exemption | $132,344 | $246,900 Land $60,000 Building $186,900 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 8 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% 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 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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