4306 Duck Down Ln, Winter Haven, FL 33884 Property Records

Polk County property record for 4306 Duck Down Ln, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,740 sqft · built 2001
Lot Size	2.34 acres (102,218 sqft)
Owner	2 Individual Names on File
Last Sale	$62,500 (Jun 2001)
Tax Bill	$3,745 (2025)
Deeds & Mortgages	Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-29-18-865151-000120`

Property Details

APN / Parcel Number

Primary APN	`27-29-18-865151-000120`
Alternative APNs	`182927865151000120` `82927000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,740 sqft Living Area
Gross Area	3,202 sqft
1st Floor Area	1,725 sqft
Upper Floors Area	1,015 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Other
Lot Area	102,218 sqft
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	462 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	450 sqft
Porch	Unfinished Open Porch
Porch Area	168 sqft
Patio Area	292 sqft

Location & Zoning

Street Address	4306 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 12
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	12
Jurisdiction	POLK FL
Township / Civil Division	LAKE WALES
Census Block Group	1
Census Block	1014
Census Tract	14401

Owner

Source: Polk County records · APN 27-29-18-865151-000120

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	4306 DUCK DOWN LN, WINTER HAVEN, FL 33884-3293
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 28, 2001 · Amount on Record
Deed Sale	Jun 28, 2001 · Amount on Record
Deed Book / Page	4736 / 1652
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4306 DUCK DOWN LN, WINTER HAVEN, FL 33884-3293
Document Number	0102482053
Book / Page	010248 / 002053
Instrument Date	Aug 22, 2017
Transaction Type	Mortgage
Record Updated	Sep 15, 2017
Title Company	INTEGRITY FIRST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4306 DUCK DOWN LN WINTER HAVEN FL 338843293, WINTER HAVEN, FL 33884-3293

Mortgage

Document Number	0102482053
Date	Aug 30, 2017
Book Page	010248/002053
Instrument	168396

Lender

Name	CITIZENS BK
Type	Bank
Address	FROSTPROOF, FL 33843

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 29, 2032

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,745.00 (+5.94%) Homeowner's exemption	$243,778 (+5.99%)	$373,156 (-0.31%) Land $150,000 Building $223,156
2023	$3,535.00 (+2.91%) Homeowner's exemption	$230,008 (+3%)	$374,327 (+18.37%) Land $145,000 Building $229,327
2022	$3,435.00 Homeowner's exemption	$223,309	$316,226 Land $120,000 Building $196,226

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), as of October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050144011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 35 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	35 in force

Wildfire

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 406 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL6531992, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.