3968 Warbler Dr, Winter Haven, FL 33880 Property Records

Polk County property record for 3968 Warbler Dr, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,101 sqft · built 2005
Lot Size	0.138 acres (6,011 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Jun 2019)
Tax Bill	$1,831 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Aug 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-02-356728-000340`

Property Details

APN / Parcel Number

Primary APN	`25-29-02-356728-000340`
Alternative APNs	`022925356728000340` `22925000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,101 sqft Living Area
Gross Area	2,481 sqft
1st Floor Area	1,376 sqft
Upper Floors Area	725 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	6,011 sqft (0.138 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	380 sqft
Porch	Screened/Unfinished Porch
Porch Area	44 sqft

Location & Zoning

Street Address	3968 WARBLER DR
City	WINTER HAVEN
State	FL
Zip	33880-5033
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	QUEENS COVE PHASE IV PLAT BOOK 127 PGS 1 & 2 LOT 34
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	34
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2011
Census Tract	14704

Owner

3968 Warbler Dr is owned and occupied by two individuals who acquired it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	3968 WARBLER DR, WINTER HAVEN, FL 33880-5033
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 31, 2025	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Aug 18, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 20, 2019	Warranty Deed, Transfer RH FNDG CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2019 · Amount on File
Deed Sale	Jun 20, 2019 · Amount on File
Prior Sale	May 5, 2005 · Amount on File
Deed Document Number	2019129172
Deed Book / Page	10882 / 117
Last Transfer Date	Jul 11, 2022
Transfer Doc	0000224776
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3968 WARBLER DR, WINTER HAVEN, FL 33880-5033
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3968 WARBLER DR, WINTER HAVEN, FL 33880-5033

Mortgage

Document Number	0000259020
Date	Oct 31, 2025
Book Page	13762/1079
Instrument	2025259020

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Aug 18, 2022
Property Address	3968 WARBLER DR, WINTER HAVEN, FL 33880-5033
Document Number	0000224776
Book / Page	12384 / 477
Map Reference	MB 127 PG 1&2
Instrument Date	Jul 11, 2022
Instrument	2022224776
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3968 WARBLER DR, 3968, WINTER HAVEN, FL 33880-5033

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3968 WARBLER DR, WINTER HAVEN, FL 33880-5033

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 20, 2019
Property Address	3968 WARBLER DR, WINTER HAVEN, FL 33880-5033
Document Number	0108820117
Book / Page	010882 / 000117
Instrument Date	May 31, 2019
Instrument	129172
Transaction Type	Transfer
Record Updated	Jul 4, 2019
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3968 WARBLER DR WINTER HAVEN FL 338805033, WINTER HAVEN, FL 33880-5033

Mortgage

Document Number	108820118
Date	Jun 20, 2019
Book Page	010882/000118
Instrument	129173

Lender

Name	RH FNDG CO
Address	PARSIPPANY, NJ 07054

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3968 Warbler Dr was $1,831 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		$191,918 (+2.7%)	$237,595 (-5.16%) Land $36,000 Building $201,595
2025	$1,831.00	$186,872	$250,513 Land $36,000 Building $214,513
2023	$2,387.00 (+4.01%) Homeowner's exemption	$176,316 (+3%)	$262,620 (+25.34%) Land $35,000 Building $227,620
2022	$2,295.00 Homeowner's exemption	$171,181	$209,529 Land $29,000 Building $180,529

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

Flood

FEMA maps place 3968 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 3968 Warbler Dr is moderate, ranking above 47% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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