Polk County property record for 4309 Duck Down Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,031 sqft · built 2007 |
| Lot Size | 2.61 acres (114,097 sqft) |
| Owner | Individual Name on File |
| Last Sale | $155,000 (Sep 2005) |
| Tax Bill | $6,809 (2025) |
| Deeds & Mortgages | May 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-29-18-865151-000280 |
| Primary APN | 27-29-18-865151-000280 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 4,031 sqft Living Area |
| Gross Area | 4,767 sqft |
| 1st Floor Area | 4,031 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 114,097 sqft |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 736 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 928 sqft |
| Street Address | 4309 DUCK DOWN LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3294 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MALLARD POINTE PHASE TWO PB 115 PGS 24 & 25 LOT 28 |
| 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 | 28 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 14401 |
4309 Duck Down Ln is owned and occupied by an individual who acquired it in August 2024.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4309 DUCK DOWN LN, WINTER HAVEN, FL 33884-3294 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2005 · Amount on File |
| Deed Sale | Sep 22, 2005 · Amount on File |
| Prior Sale | Sep 18, 2002 · Amount on File |
| Deed Document Number | 2005231117 |
| Deed Book / Page | 6406 / 2310 |
| Last Transfer Date | Aug 26, 2024 |
| Transfer Doc | 0000202684 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4309 DUCK DOWN LN, WINTER HAVEN, FL 33884-3294 |
| Document Number | 0109081925 |
| Instrument Date | May 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4309 DUCK DOWN LN WINTER HAVEN FL 338843294, WINTER HAVEN, FL 33884-3294 |
The 2025 property tax bill for 4309 Duck Down Ln was $6,809 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $418,638 (+2.7%) | $548,408 (-3.56%) Land $150,000 Building $398,408 | |
| 2025 | $6,809.00 Homeowner's exemption | $407,632 | $568,674 Land $150,000 Building $418,674 |
| 2023 | $6,455.00 (+2.61%) Homeowner's exemption | $384,606 (+3%) | $582,121 (+15.52%) Land $145,000 Building $437,121 |
| 2022 | $6,291.00 Homeowner's exemption | $373,404 | $503,933 Land $120,000 Building $383,933 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4309 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 risk around 4309 Duck Down Ln is moderate, ranking above 43% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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