825 3rd St, Winter Haven, FL 33881 Property Records

Polk County property record for 825 3rd St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft · built 1925
Lot Size	0.151 acres (6,582 sqft)
Owner	Individual Name on File
Last Sale	$29,000 (Oct 2019)
Tax Bill	$814 (2025)
Deeds & Mortgages	May 2026 Construction Loan Apr 2026 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-17-544500-020600`

Property Details

APN / Parcel Number

Primary APN	`26-28-17-544500-020600`
Alternative APNs	`26-28-17-544500-020701` `172826544500020600` `172826544500020701` `72826000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Flooring	Tile
Interior Walls	Wood

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Other
Lot Area	6,582 sqft (0.151 acres)
View / Lot	Commercial/Industrial
Porch	Unfinished Open Porch
Porch Area	176 sqft

Location & Zoning

Street Address	825 3RD ST
City	WINTER HAVEN
State	FL
Zip	33881-1413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C3
Legal Description	IDA LAKE SUB PB 6 PG 10 IN S8/17 T28 R26 BLK B LOTS 7 8 & W1/2 OF 9 LESS THAT PT OF LOT 7 LYING WITHIN THE FOLL: BEG SW COR OF SAID LOT 6 RUN ELY ALG NLY R/W LINE OF 3RD ST 50.54 FT TO PT LYING 12.46 FT W OF SE COR OF SAID LOT 7 RUN NELY TO PT ON NLY
Legal Range	26E
Legal Township	28S
Legal Section	17
Legal Subdivision	IDA LAKE SUBDIVISION
Legal Tract	544500
Legal Block	B
Legal Lot Number	7
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1023
Census Tract	13601

Owner

825 3rd St is owned by an individual who bought it in October 2019.

Source: Polk County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	1655 8TH ST, ORLANDO, FL 32820-2406
Owner Type	Individual
Vesting	Married Man, Separate Property

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

Date	Document
May 14, 2026	Deed of Trust, Mortgage · Construction Mortgage RMA LENDING LLC
Apr 29, 2026	Deed of Trust, Mortgage · Balloon Mortgage EQUITY TRUST COMPANY
Apr 29, 2026	Correction Deed, Transfer · Balloon Mortgage EQUITY TRUST COMPANY
Nov 25, 2025	Deed of Trust, Mortgage · Balloon Mortgage ORM LENDING LLC
Jul 26, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 10, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 31, 2019	Correction Deed, Transfer NOT AVAILABLE
Jun 19, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 10, 2018	Tax Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2019 · Amount on File
Deed Sale	Oct 31, 2019 · Amount on File
Prior Sale	Jul 10, 2019 · Amount on File
Deed Document Number	2019231493
Deed Book / Page	11025 / 1472
Prior Transfer Date	Jul 26, 2019
Prior Transfer Doc	0000156997
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	May 14, 2026
Property Address	825 3RD ST, WINTER HAVEN, FL 33881-1413
Document Number	0000115793
Book / Page	13998 / 1924
Instrument Date	May 13, 2026
Instrument	2026115793
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	HOMELAND TITLE SOURCE LLC, HOMELAND TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 3RD ST, WINTER HAVEN, FL 33881-1413

Mortgage

Document Number	0000115793,
Date	May 14, 2026
Book Page	13998/1924
Instrument	2026115793

Lender

Name	RMA LENDING LLC

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	7 Months
Due	Dec 1, 2026

Interest

Rate	6.3%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Apr 29, 2026
Property Address	825 3RD ST, WINTER HAVEN, FL 33881-1413
Document Number	0000101898
Book / Page	13977 / 233
Instrument Date	Apr 23, 2026
Instrument	2026101898
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 3RD ST, WINTER HAVEN, FL 33881-1413

Mortgage

Document Number	0000101898,
Date	Apr 29, 2026
Book Page	13977/233
Instrument	2026101898

Lender

Name	EQUITY TRUST COMPANY

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	84 Months
Due	Apr 23, 2033

Interest

Rate Type	Balloon
Rate	6.38%
Initial Type	Balloon
Max Rate	-1%

April 2026: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	POLK FL
Recording Date	Apr 29, 2026
Property Address	825 3RD ST, WINTER HAVEN, FL 33881-1413
Document Number	0000101897
Book / Page	13977 / 231
Instrument Date	Apr 22, 2026
Instrument	2026101897
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	ALOHA TITLE, ALOMA TITLE

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1655 8TH ST, ORLANDO, FL 32820-2406

Mortgage

Document Number	0000101897,
Date	Apr 29, 2026
Book Page	13977/233
Instrument	2026101897

Lender

Name	EQUITY TRUST COMPANY

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	84 Months
Due	Apr 23, 2033

Interest

Rate Type	Balloon
Rate	6.38%
Initial Type	Balloon
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	825 3RD ST, WINTER HAVEN, FL 33881-1413
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	HOMELAND TITLE SOURCE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 3RD ST, WINTER HAVEN, FL 33881-1413

Mortgage

Document Number	0000278486
Date	Nov 25, 2025
Book Page	13790/64
Instrument	2025278486

Lender

Name	ORM LENDING LLC
Address	KISSIMMEE, FL 34741

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	7 Months
Due	Jun 1, 2026

Interest

Rate	15%

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jul 26, 2019
Property Address	825 3RD ST, WINTER HAVEN, FL 33881-1413
Document Number	0109201043
Book / Page	010920 / 001043
Instrument Date	Jul 26, 2019
Instrument	156997
Transaction Type	Transfer
Record Updated	Aug 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 SCENIC HWY HAINES CITY FL 338448598, HAINES CITY, FL 33844-8598

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jul 10, 2019
Property Address	825 3RD ST, WINTER HAVEN, FL 33881-1413
Document Number	0109020959
Book / Page	010902 / 000959
Instrument Date	Jul 10, 2019
Instrument	143464
Transaction Type	Transfer
Record Updated	Jul 25, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$203.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SAN JUAN BULD ORLANDO FL 32807, ORLANDO, FL 32807

October 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	POLK FL
Recording Date	Oct 31, 2019
Property Address	825 3RD ST, WINTER HAVEN, FL 33881-1413
Document Number	0110251472
Book / Page	011025 / 001472
Instrument Date	Jul 10, 2019
Instrument	231493
Transaction Type	Transfer
Record Updated	Nov 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$203.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SAN JUAN BULD ORLANDO FL 32807, ORLANDO, FL 32807

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jun 19, 2019
Property Address	825 3RD ST, WINTER HAVEN, FL 33881-1413
Document Number	0108800438
Book / Page	010880 / 000438
Instrument Date	Jun 13, 2019
Instrument	127603
Transaction Type	Transfer
Record Updated	Jul 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$108.50
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 SCENIC HWY HAINES CITY FL 338448598, HAINES CITY, FL 33844-8598

January 2018: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	POLK FL
Recording Date	Jan 10, 2018
Property Address	825 3RD ST, WINTER HAVEN, FL 33881-1413
Document Number	0103651558
Book / Page	010365 / 001558
Instrument Date	Jan 10, 2018
Instrument	7917
Transaction Type	Foreclosure
Record Updated	Sep 10, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$119.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	PO BOX 830539 BIRMINGHAM AL 352830539, BIRMINGHAM, AL 35283-0539
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 825 3rd St was $814, down 42.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$58,953 (+4.81%)	$67,667 (-2.4%) Land $3,950 Building $63,717
2025	$814.00 (-42.15%)	$56,249	$69,330 Land $7,222 Building $62,108
2024	$1,407.00 (+13.56%)
2023	$1,239.00 (+8.12%)	$72,047 (+11.38%) Land $7,222 Building $64,825	$72,047 (+11.38%) Land $7,222 Building $64,825
2022	$1,146.00	$64,683 Land $6,018 Building $58,665	$64,683 Land $6,018 Building $58,665

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

Flood

FEMA maps place 825 3rd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2022 · Hurricane Ian

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 825 3rd St 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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