10 Enclave Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 10 Enclave Dr, Winter Haven, FL 33884

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,368 sqft · built 1996
Lot Size	0.051 acres (2,217 sqft)
Owner	2 Individual Names on Record
Last Sale	$134,000 (Oct 2015)
Tax Bill	$1,242 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-28-31-850501-000100`

Property Details

APN / Parcel Number

Primary APN	`27-28-31-850501-000100`
Alternative APNs	`312827850501000100` `12827000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,368 sqft Living Area
Gross Area	1,830 sqft
1st Floor Area	1,368 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	2,217 sqft (0.051 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	462 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	242 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	10 ENCLAVE DR
City	WINTER HAVEN
State	FL
Zip	33884-1326
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	CYPRESSWOOD ENCLAVE PHASE ONE PB 100 PGS 13 & 14 LOT 10
Legal Range	27E
Legal Township	28S
Legal Section	31
Legal Subdivision	CYPRESSWOOD ENCLAVE PHASE ONE
Legal Phase	1
Legal Tract	850501
Legal Block	2
Legal Lot Number	10
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	2
Census Block	2064
Census Tract	14123

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10 ENCLAVE DR, WINTER HAVEN, FL 33884-1326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2015 · Amount on Record
Deed Sale	Oct 29, 2015 · Amount on Record
Prior Sale	May 28, 2013 · Amount on Record
Deed Document Number	2015196053
Deed Book / Page	9663 / 817
Prior Transfer Date	Apr 30, 2009
Prior Transfer Doc	0000082324
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	10 ENCLAVE DR, WINTER HAVEN, FL 33884-1326
Transaction Type	Mortgage
Record Updated	Feb 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 ENCLAVE DR, WINTER HAVEN, FL 33884-1326

Mortgage

Document Number	0000011488
Date	Jan 13, 2022
Book Page	12071/1709
Instrument	2022011488

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

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		$139,970 (+2.7%)	$193,500 (-2.03%) Land $100 Building $193,400
2025	$1,242.00 (-31.65%) Homeowner's exemption	$136,290 (+5.99%)	$197,500 (+10.96%) Land $100 Building $197,400
2024	$1,817.00 (+10.79%)
2023	$1,640.00 (+4.06%) Homeowner's exemption	$128,591 (+3%)	$178,000 (+14.84%) Land $100 Building $177,900
2022	$1,576.00 Homeowner's exemption	$124,846	$155,000 Land $100 Building $154,900

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

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 105 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	105 in force
Nearby Flood Claims	3 (2017–2022)
Claims Outside the SFHA	1 of 3
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	Moderate above 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 233 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