Polk County property record for 3915 Baldwin Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,847 sqft · built 2006 |
| Lot Size | 0.118 acres (5,153 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $236,200 (Aug 2006) |
| Tax Bill | $1,545 (2025) |
| Deeds & Mortgages | Oct 2023 Second Mortgage Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-13-687552-000910 |
| Primary APN | 26-29-13-687552-000910 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,847 sqft Living Area |
| Gross Area | 2,290 sqft |
| 1st Floor Area | 1,719 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 | Gable |
| Roof Material | Other |
| Lot Area | 5,153 sqft (0.118 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 443 sqft |
| Porch | Florida Room |
| Porch Area | 182 sqft |
| Street Address | 3915 BALDWIN LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-5211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRADITIONS PHASE 1 PLAT BOOK 131 PGS 47 THRU 54 LOT 91 |
| 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 | 91 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 14401 |
3915 Baldwin Ln is owned and occupied by two individuals who acquired it in February 2020.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3915 BALDWIN LN, WINTER HAVEN, FL 33884-5211 |
| 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 |
|---|---|
| Oct 12, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Oct 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC |
| Mar 3, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Nov 12, 2019 | Deed of Trust, Mortgage · Conventional with PMI HUNTINGTON NAT'L BK |
| Jan 26, 2018 | Deed of Trust, Mortgage · Conventional with PMI RP FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2006 · Amount on File |
| Deed Sale | Aug 24, 2006 · Amount on File |
| Deed Document Number | 2006210852 |
| Deed Book / Page | 6938 / 1279 |
| Last Transfer Date | Feb 25, 2020 |
| Transfer Doc | 0000048871 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3915 BALDWIN LN, WINTER HAVEN, FL 33884-5211 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3915 BALDWIN LN, WINTER HAVEN, FL 33884-5211 |
| Document Number | 0000241163 |
|---|---|
| Date | Oct 12, 2023 |
| Book Page | 12870/2213 |
| Instrument | 2023241163 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 10, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3915 BALDWIN LN, WINTER HAVEN, FL 33884-5211 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3915 BALDWIN LN, WINTER HAVEN, FL 33884-5211 |
| Document Number | 0000259370 |
|---|---|
| Date | Oct 5, 2021 |
| Book Page | 11923/1626 |
| Instrument | 2021259370 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LAKE MARY, FL 32746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 3, 2020 |
| Property Address | 3915 BALDWIN LN, WINTER HAVEN, FL 33884-5211 |
| Document Number | 0111610223 |
| Book / Page | 011161 / 000223 |
| Instrument Date | Feb 25, 2020 |
| Instrument | 48871 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3915 BALDWIN LN WINTER HAVEN FL 338845211, WINTER HAVEN, FL 33884-5211 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3915 BALDWIN LN, WINTER HAVEN, FL 33884-5211 |
| Document Number | 0110490445 |
| Instrument Date | Nov 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3915 BALDWIN LN WINTER HAVEN FL 338845211, WINTER HAVEN, FL 33884-5211 |
| Document Number | 0110490445 |
|---|---|
| Date | Nov 21, 2019 |
| Book Page | 011049/000445 |
| Instrument | 247620 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 20, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3915 BALDWIN LN, WINTER HAVEN, FL 33884-5211 |
| Document Number | 0104002221 |
| Instrument Date | Jan 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3915 BALDWIN LN WINTER HAVEN FL 338845211, WINTER HAVEN, FL 33884-5211 |
| Document Number | 0104002221 |
|---|---|
| Date | Feb 20, 2018 |
| Book Page | 010400/002221 |
| Instrument | 37677 |
| Name | RP FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 19, 2048 |
The 2025 property tax bill for 3915 Baldwin Ln was $1,545 with a homeowner's exemption.
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 | $129,502 (+2.7%) | $212,245 (-10.01%) Land $42,000 Building $170,245 | |
| 2025 | $1,545.00 Homeowner's exemption | $126,097 | $235,841 Land $42,000 Building $193,841 |
| 2023 | $1,437.00 (+3.83%) Homeowner's exemption | $118,974 (+3%) | $230,642 (+9.06%) Land $40,000 Building $190,642 |
| 2022 | $1,384.00 Homeowner's exemption | $115,509 | $211,487 Land $33,000 Building $178,487 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 3915 Baldwin Ln 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 AE, within 500 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 3915 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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