3971 Warbler Dr, Winter Haven, FL 33880 Property Records

Polk County property record for 3971 Warbler Dr, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,101 sqft · built 2005
Lot Size	0.158 acres (6,900 sqft)
Owner	Individual Name on File
Last Sale	$208,000 (Sep 2019)
Tax Bill	$3,379 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-29-02-356728-001290`

Property Details

APN / Parcel Number

Primary APN	`25-29-02-356728-001290`
Alternative APNs	`022925356728001290` `22925000`

Interior

Bedrooms	5 Beds
Full Baths	3 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 2010
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	6,900 sqft (0.158 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	380 sqft
Porch	Unfinished Open Porch
Porch Area	44 sqft
Shed	1 Shed

Location & Zoning

Street Address	3971 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 129
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	129
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2013
Census Tract	14704

Owner

3971 Warbler Dr is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	3971 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
Jul 26, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Sep 4, 2019	Warranty Deed, Transfer · FHA Mortgage FEDERALLY CHARTERED SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2019 · Amount on File
Deed Sale	Sep 4, 2019 · Amount on File
Prior Sale	May 25, 2016 · Amount on File
Deed Document Number	2019186340
Deed Book / Page	10961 / 1842
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3971 WARBLER DR, WINTER HAVEN, FL 33880-5034
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3971 WARBLER DR, WINTER HAVEN, FL 33880-5034

Mortgage

Document Number	0000193433
Date	Jul 26, 2021
Book Page	11818/2029
Instrument	2021193433

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Aug 1, 2049

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 4, 2019
Property Address	3971 WARBLER DR, WINTER HAVEN, FL 33880-5034
Document Number	0109611842
Book / Page	010961 / 001842
Instrument Date	Jul 24, 2019
Instrument	186340
Transaction Type	Transfer
Record Updated	Sep 20, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,456.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3971 WARBLER DR WINTER HAVEN FL 338805034, WINTER HAVEN, FL 33880-5034

Mortgage

Document Number	109611844
Date	Sep 4, 2019
Book Page	010961/001844
Instrument	186341

Lender

Name	FEDERALLY CHARTERED SVGS BK
Type	Federal Savings Bank
Address	TROY, MI 48098-2639

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 3, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3971 Warbler Dr was $3,379.

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		$240,108 (-8.13%) Land $39,000 Building $201,108	$240,108 (-8.13%) Land $39,000 Building $201,108
2025	$3,379.00	$261,365 Land $39,000 Building $222,365	$261,365 Land $39,000 Building $222,365
2023	$3,736.00 (+14.11%)	$273,732 (+24.85%) Land $38,000 Building $235,732	$273,732 (+24.85%) Land $38,000 Building $235,732
2022	$3,274.00	$219,249 Land $32,000 Building $187,249	$219,249 Land $32,000 Building $187,249

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

Flood

FEMA maps place 3971 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 3971 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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