3909 Warbler Dr, Winter Haven, FL 33880 Property Records

Polk County property record for 3909 Warbler Dr, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,264 sqft · built 2006
Lot Size	0.138 acres (5,994 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Jun 2018)
Tax Bill	$1,369 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-02-356728-000730`

Property Details

APN / Parcel Number

Primary APN	`25-29-02-356728-000730`
Alternative APNs	`022925356728000730` `22925000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,264 sqft Living Area
Gross Area	1,664 sqft
1st Floor Area	1,264 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,994 sqft (0.138 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Unfinished Open Porch
Porch Area	52 sqft

Location & Zoning

Street Address	3909 WARBLER DR
City	WINTER HAVEN
State	FL
Zip	33880-5034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	QUEENS COVE PHASE IV PLAT BOOK 127 PGS 1 & 2 LOT 73
Legal Range	25E
Legal Township	29S
Legal Section	02
Legal Subdivision	QUEENS COVE PHASE IV
Legal Phase	IV
Legal Tract	356728
Legal Block	2
Legal Lot Number	73
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2012
Census Tract	14704

Owner

3909 Warbler Dr is owned and occupied by an individual who bought it in June 2018.

Source: Polk County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	3909 WARBLER DR, WINTER HAVEN, FL 33880-5034
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 1, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 20, 2018	Warranty Deed, Transfer · FHA Mortgage GATEWAY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2018 · Amount on File
Deed Sale	Jun 20, 2018 · Amount on File
Prior Sale	Apr 26, 2006 · Amount on File
Deed Document Number	2018131122
Deed Book / Page	10522 / 900
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3909 WARBLER DR, WINTER HAVEN, FL 33880-5034
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 WARBLER DR, WINTER HAVEN, FL 33880-5034

Mortgage

Document Number	0000249160
Date	Oct 22, 2025
Book Page	13747/2122
Instrument	2025249160

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Oct 1, 2065

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3909 WARBLER DR, WINTER HAVEN, FL 33880-5034
Transaction Type	Mortgage
Record Updated	Dec 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 WARBLER DR, WINTER HAVEN, FL 33880-5034

Mortgage

Document Number	0000310307
Date	Dec 1, 2022
Book Page	12500/1731
Instrument	2022310307

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	355 Months
Due	Jul 1, 2052

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 20, 2018
Property Address	3909 WARBLER DR, WINTER HAVEN, FL 33880-5034
Document Number	0105220900
Book / Page	010522 / 000900
Instrument Date	Jun 15, 2018
Instrument	131122
Transaction Type	Transfer
Record Updated	Jul 5, 2018
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 WARBLER DR WINTER HAVEN FL 338805034, WINTER HAVEN, FL 33880-5034

Mortgage

Document Number	105220902
Date	Jun 20, 2018
Book Page	010522/000902
Instrument	131123

Lender

Name	GATEWAY MTG
Type	Mortgage Company
Address	JENKS, OK 74037-3448

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3909 Warbler Dr was $1,369 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$150,032 (+2.7%)	$184,812 (-6.2%) Land $36,000 Building $148,812
2025	$1,369.00 Homeowner's exemption	$146,088	$197,034 Land $36,000 Building $161,034
2023	$1,830.00 (+4.81%) Homeowner's exemption	$137,836 (+3%)	$205,610 (+17.39%) Land $35,000 Building $170,610
2022	$1,746.00 Homeowner's exemption	$133,821	$175,146 Land $29,000 Building $146,146

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3909 Warbler Dr in Zone X, an area of minimal flood risk, within 500 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 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

Wildfire risk around 3909 Warbler Dr 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 66% of the US · lower than 91% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CENTRAL serves 13,595 people · EPA ID FL6534609
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 577 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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