4300 Duck Down Ln, Winter Haven, FL 33884 Property Records

Polk County property record for 4300 Duck Down Ln, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,196 sqft · built 2003
Lot Size	2.14 acres (93,519 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Feb 2018)
Tax Bill	$4,960 (2025)
Deeds & Mortgages	Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-29-18-865151-000110`

Property Details

APN / Parcel Number

Primary APN	`27-29-18-865151-000110`
Alternative APNs	`182927865151000110` `82927000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,196 sqft Living Area
Gross Area	3,751 sqft
1st Floor Area	3,196 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	93,519 sqft
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	555 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	328 sqft
Patio Area	224 sqft
Shed	1 Shed

Location & Zoning

Street Address	4300 DUCK DOWN LN
City	WINTER HAVEN
State	FL
Zip	33884-3293
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MALLARD POINTE PHASE TWO PB 115 PGS 24 & 25 LOT 11
Legal Range	27E
Legal Township	29S
Legal Section	18
Legal Subdivision	MALLARD POINTE PHASE TWO
Legal Phase	2
Legal Tract	865151
Legal Block	1
Legal Lot Number	11
Jurisdiction	POLK FL
Township / Civil Division	LAKE WALES
Census Block Group	1
Census Block	1014
Census Tract	14401

Owner

4300 Duck Down Ln is owned and occupied by an individual who bought it in February 2018.

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	4300 DUCK DOWN LN, WINTER HAVEN, FL 33884-3293
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2018 · Amount on File
Deed Sale	Feb 12, 2018 · Amount on File
Prior Sale	Aug 1, 2017
Deed Document Number	201832132
Deed Book / Page	10394 / 853
Prior Transfer Date	Jun 11, 2007
Prior Transfer Doc	0000124463
Record Updated	Oct 29, 2026

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 12, 2018
Property Address	4300 DUCK DOWN LN, WINTER HAVEN, FL 33884-3293
Document Number	0103940853
Book / Page	010394 / 000853
Instrument Date	Feb 9, 2018
Instrument	32132
Transaction Type	Transfer
Record Updated	Feb 26, 2018
Title Company	REAL ESTATE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4300 DUCK DOWN LN WINTER HAVEN FL 338843293, WINTER HAVEN, FL 33884-3293

Mortgage

Document Number	103940854
Date	Feb 12, 2018
Book Page	010394/000854
Instrument	32133

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4300 Duck Down Ln was $4,960 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$317,083 (+2.7%)	$352,624 (-4.65%) Land $90,000 Building $262,624
2025	$4,960.00 Homeowner's exemption	$308,747	$369,814 Land $90,000 Building $279,814
2023	$4,692.00 (+3.14%) Homeowner's exemption	$291,307 (+3.35%)	$382,082 (+11.83%) Land $88,000 Building $294,082
2022	$4,549.00 Homeowner's exemption	$281,851	$341,650 Land $74,000 Building $267,650

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

Flood

FEMA maps place 4300 Duck Down Ln in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 4300 Duck Down 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 80% of the US · lower than 93% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 406 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 / 1,000
Verizon Fixed Wireless	300 / 20