405 3rd St E, Zolfo Springs, FL 33890 Property Records

Hardee County property record for 405 3rd St E, Zolfo Springs, FL 33890

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,311 sqft · built 2015
Lot Size	0.407 acres (17,772 sqft)
Owner	Individual Name on File
Last Sale	$105,500 (May 2015)
Tax Bill	$2,154 (2025)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`26-34-25-0720-0000B-0019`

Property Details

APN / Parcel Number

Primary APN	`26-34-25-0720-0000B-0019`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,311 sqft Heated Area
Gross Area	1,581 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,772 sqft (0.407 acres)
Lot Dimensions	159 ft deep x 112 ft wide
Garage Type	Carport
Garage Area	405 sqft
Carport	Carport
Driveway	Driveway
Driveway Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	332 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	405 3RD ST E
City	ZOLFO SPRINGS
State	FL
Zip	33890-3836
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	S 112.48 FT OF W1/2 OF LOT 19 BLK B KINCAID'S SUBD 26 34S 25E 260P242 255P824 201125005589 201225003751 201425003671/4900-AFF
Legal Range	25E
Legal Township	34S
Legal Section	26
Legal Subdivision	KINCAID'S SUBD
Legal Block	B
Legal Lot Number	19
Jurisdiction	HARDEE FL
Township / Civil Division	ZOLFO SPRINGS
Census Block Group	3
Census Block	3057
Census Tract	970101

Owner

405 3rd St E is owned and occupied by an individual who acquired it in September 2021.

Source: Hardee County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	405 3RD ST E, ZOLFO SPRINGS, FL 33890-3836
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2015 · Amount on File
Deed Sale	May 1, 2015 · Amount on File
Prior Sale	May 1, 2015 · Amount on File
Deed Document Number	0025002565
Last Transfer Date	Sep 2, 2021
Transfer Doc	202125005035
Record Updated	Jun 8, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARDEE FL
Recording Date	Sep 2, 2021
Property Address	405 3RD ST E, ZOLFO SPRINGS, FL 33890-3836
Document Number	202125005035
Map Reference	MB 2 PG 112
Instrument Date	Aug 24, 2021
Instrument	202125005035
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 THIRD ST E, ZOLFO SPRINGS, FL 33890-3836

Mortgage

Document Number	202125005036
Date	Sep 2, 2021
Instrument	202125005036

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 405 3rd St E was $2,154 with a homeowner's exemption, up 1.9% from the year before.

Source: Hardee County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Hardee County
Municipality	Zolfo Springs Town
Unified School District	Hardee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,154.00 (+1.89%) Homeowner's exemption	$132,189 (+2.9%)	$209,889 (+7.26%) Land $22,260 Building $187,629
2024	$2,114.00 (+2.97%) Homeowner's exemption	$128,464 (+3%)	$195,690 (+13.24%) Land $14,246 Building $181,444
2023	$2,053.00 (+4.11%) Homeowner's exemption	$124,722 (+3%)	$172,803 (+21.59%) Land $14,246 Building $158,557
2022	$1,972.00 Homeowner's exemption	$121,089	$142,121 Land $7,123 Building $134,998

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

Flood

FEMA maps place 405 3rd St E in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 26, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	7 (2017–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Irma, Sep 2017 · 2 claims

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 405 3rd St E is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% 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	ZOLFO SPRINGS WTP serves 2,062 people · EPA ID FL6250332
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	13 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 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Rapid Systems Fixed Wireless	100 / 20