860 3rd St, Winter Haven, FL 33881 Property Records

Polk County property record for 860 3rd St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,140 sqft · built 2023
Lot Size	0.144 acres (6,251 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Mar 2023)
Tax Bill	$1,811 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-17-544500-033500`

Property Details

APN / Parcel Number

Primary APN	`26-28-17-544500-033500`
Alternative APNs	`172826544500033500` `72826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,140 sqft Living Area
Gross Area	1,610 sqft
1st Floor Area	1,140 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,251 sqft (0.144 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	470 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	860 3RD ST
City	WINTER HAVEN
State	FL
Zip	33881-1414
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 C LOTS 35 & 36
Legal Range	26E
Legal Township	28S
Legal Section	17
Legal Subdivision	IDA LAKE SUBDIVISION
Legal Tract	544500
Legal Block	C
Legal Lot Number	35,36
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1026
Census Tract	13601

Owner

Source: Polk County records, as of September 28, 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 Record
Mailing Address	860 3RD ST, WINTER HAVEN, FL 33881-1414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Dec 14, 2023	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 30, 2023	Warranty Deed, Subdivision Related Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 10, 2022	Deed of Trust, Mortgage · Balloon Mortgage BOWEHAUS LLC
Jul 2, 2021	Warranty Deed, Transfer TITLE SOLUTIONS/FL LLC, TITLE SOLUTIONS GROUP OF FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2023 · Amount on Record
Deed Sale	Mar 30, 2023 · Amount on Record
Prior Sale	Jul 2, 2021 · Amount on Record
Deed Document Number	202374207
Deed Book / Page	12635 / 1236
Prior Transfer Date	Aug 14, 2003
Prior Transfer Doc	0000161929
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Apr 9, 2026
Property Address	860 3RD ST, WINTER HAVEN, FL 33881-1414
Document Number	0000083108
Book / Page	13950 / 531
Instrument Date	Mar 10, 2026
Instrument	202683108
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 3RD ST, WINTER HAVEN, FL 33881-1414

Mortgage

Document Number	0000083108,
Date	Apr 9, 2026
Book Page	13950/531
Instrument	202683108

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Mar 1, 2066

Interest

Rate	6.09%
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	860 3RD ST, WINTER HAVEN, FL 33881-1414
Transaction Type	Mortgage
Record Updated	Jan 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 3RD ST, WINTER HAVEN, FL 33881-1414

Mortgage

Document Number	0000291978
Date	Dec 14, 2023
Book Page	12941/812
Instrument	2023291978

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Apr 1, 2053

March 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 30, 2023
Property Address	860 3RD ST, WINTER HAVEN, FL 33881-1414
Document Number	0000074207
Book / Page	12635 / 1236
Map Reference	MB 6 PG 10
Instrument Date	Mar 29, 2023
Instrument	2023074207
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 13, 2023
Title Company	TITLE SOLUTIONS/FL LLC, TITLE SOLUTIONS GROUP OF FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5739 OLD HIGHWAY 37, LAKELAND, FL 33811-2353

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 3RD ST, WINTER HAVEN, FL 33881-1414

Mortgage

Document Number	0126351238
Date	Mar 30, 2023
Instrument	12635/1238

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	860 3RD ST, WINTER HAVEN, FL 33881-1414
Transaction Type	Mortgage
Record Updated	Mar 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5739 OLD HIGHWAY 37, LAKELAND, FL 33811-2353

Mortgage

Document Number	0000064507
Date	Mar 10, 2022
Book Page	12154/392
Instrument	2022064507

Lender

Name	BOWEHAUS LLC
Type	Non-Lending Institution
Address	LAKELAND, FL 33804

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 2, 2021
Property Address	860 3RD ST, WINTER HAVEN, FL 33881-1414
Document Number	0000172621
Book / Page	11787 / 1155
Map Reference	MB 6 PG 10
Instrument Date	Jun 25, 2021
Instrument	2021172621
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	TITLE SOLUTIONS/FL LLC, TITLE SOLUTIONS GROUP OF FL

Transaction

Amount	Amount Recorded
Tax	$84.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	858 5TH ST, 858, WINTER HAVEN, FL 33881-1418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5739 OLD HIGHWAY 37, LAKELAND, FL 33811-2353

Tax Assessment & Valuation

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		$181,875 (+2.7%)	$182,028 (+2.79%) Land $3,751 Building $178,277
2025	$1,811.00 (-28.11%)	$177,093 (+4,621.22%) Land $3,751 Building $173,342	$177,093 (+4,621.22%) Land $3,751 Building $173,342
2024	$2,519.00 (+891.73%)
2023	$254.00 (+504.76%)	$3,751 (+19.99%) Land $3,751	$3,751 (+19.99%) Land $3,751
2022	$42.00	$3,126 Land $3,126	$3,126 Land $3,126

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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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