3917 Warbler Dr, Winter Haven, FL 33880 Property Records

Polk County property record for 3917 Warbler Dr, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,750 sqft · built 2005
Lot Size	0.16 acres (6,961 sqft)
Owner	Individual Name on File
Last Sale	$299,900 (Feb 2026)
Tax Bill	$673 (2024)
Deeds & Mortgages	Mar 2023 Line of Credit Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-29-02-356728-000770`

Property Details

APN / Parcel Number

Primary APN	`25-29-02-356728-000770`
Alternative APNs	`022925356728000770` `22925000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,750 sqft Living Area
Gross Area	2,150 sqft
1st Floor Area	1,750 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	6,961 sqft (0.16 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Porch
Porch Area	16 sqft

Location & Zoning

Street Address	3917 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 77
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	77
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2012
Census Tract	14704

Owner

3917 Warbler Dr is owned and occupied by an individual who bought it in February 2026.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3917 WARBLER DR, WINTER HAVEN, FL 33880-5034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Feb 13, 2026	Warranty Deed, Transfer · FHA Mortgage CME LENDING GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2026 · Amount on File
Deed Sale	Feb 13, 2026 · Amount on File
Prior Sale	Jan 5, 2006 · Amount on File
Deed Document Number	202636955
Deed Book / Page	13881 / 2254
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3917 WARBLER DR, WINTER HAVEN, FL 33880-5034
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3917 WARBLER DR, WAHNETA, FL 33880-5034

Mortgage

Document Number	0000048272
Date	Mar 2, 2023
Book Page	12598/2149
Instrument	2023048272

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Mar 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 13, 2026
Property Address	3917 WARBLER DR, WINTER HAVEN, FL 33880-5034
Document Number	0000036955
Book / Page	13881 / 2254
Map Reference	MB 127 PG 1
Instrument Date	Feb 9, 2026
Instrument	2026036955
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,099.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9240 ROCKER RD, BARTOW, FL 33830-8685

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3917 WARBLER DR, WINTER HAVEN, FL 33880-5034

Mortgage

Document Number	0138812256
Date	Feb 13, 2026
Instrument	13881/2256

Lender

Name	CME LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

Tax Assessment & Valuation

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		$242,255 (+153.9%) Land $36,000 Building $206,255	$242,255 (-1.1%) Land $36,000 Building $206,255
2025		$95,413	$244,950 Land $36,000 Building $208,950
2024	$673.00 (+24.17%)
2023	$542.00 (+9.49%) Homeowner's exemption	$90,023 (+3%)	$258,398 (+16.28%) Land $35,000 Building $223,398
2022	$495.00 Homeowner's exemption	$87,401	$222,215 Land $29,000 Building $193,215

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.

Flood

FEMA maps place 3917 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 3917 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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