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820 3rd St, Winter Haven, FL 33881 Property Records

Polk County property record for 820 3rd St, Winter Haven, FL 33881 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,459 sqft · built 2023
Lot Size0.287 acres (12,502 sqft)
OwnerIndividual Name on File
Last Sale$5,100 (Feb 2012)
Tax Bill$994 (2025)
Deeds & MortgagesDec 2022 Second Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-17-544500-034300

Property Details

APN / Parcel Number

Primary APN26-28-17-544500-034300
Alternative APNs
  • 172826544500034300
  • 72826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,459 sqft Living Area
1st Floor Area1,459 sqft
FlooringTile
Interior WallsWood

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area12,502 sqft (0.287 acres)
View / LotCommercial/Industrial
Garage TypeCarport
Garage Area198 sqft
CarportCarport
Carport Area198 sqft
PorchUnfinished Open Porch
Porch Area210 sqft

Location & Zoning

Street Address820 3RD ST
CityWINTER HAVEN
StateFL
Zip33881-1414
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionIDA LAKE SUB PB 6 PG 10 IN S8/17 T28 R26 BLK C LOTS 43 THRU 46
Legal Range26E
Legal Township28S
Legal Section17
Legal SubdivisionIDA LAKE SUBDIVISION
Legal Tract544500
Legal BlockC
Legal Lot Number43-46
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1026
Census Tract13601

Owner

Source: Polk County records · APN 26-28-17-544500-034300

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

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

Owner of RecordIndividual Name on File
Mailing Address820 3RD ST, WINTER HAVEN, FL 33881-1414
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 23, 2012 · Amount on Record
Deed SaleFeb 23, 2012 · Amount on Record
Prior SaleJan 11, 2011 · Amount on Record
Deed Document Number201232588
Deed Book / Page8587 / 963
Record UpdatedSep 20, 2026

December 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address820 3RD ST, WINTER HAVEN, FL 33881-1414
Transaction TypeMortgage
Record UpdatedJan 06, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000323388
DateDec 14, 2022
Book Page12518/1176
Instrument2022323388
Lender
NamePOLK COUNTY
TypeGovernment Agency
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk 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.

YearTax BillAssessed ValueAssessed Market Value
2025$994.00 (+93.39%) Homeowner's exemption$148,580 (+431.19%)$183,388 (+146.96%) Land $7,501 Building $175,887
2023$514.00 (+8.67%) Homeowner's exemption$27,971 (+3%)$74,259 (+13.09%) Land $7,501 Building $66,758
2022$473.00 Homeowner's exemption$27,156$65,666 Land $6,251 Building $59,415

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050136011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 10 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies10 in force
Nearby Flood Claims1 (2022)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2022, Hurricane Ian

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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, availability as of December 31, 2025 · Published October 2026 · based on 94 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Frontier, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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