Polk County property record for 1013 Sawgrass Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,824 sqft · built 2020 |
| Lot Size | 0.156 acres (6,774 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $330,000 (Feb 2025) |
| Tax Bill | $4,168 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Oct 2025 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-24-690599-007190 |
| Primary APN | 26-29-24-690599-007190 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,824 sqft Living Area |
| Gross Area | 2,376 sqft |
| 1st Floor Area | 1,824 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 6,774 sqft (0.156 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Porch | Enclosed/Unfinished Porch |
| Street Address | 1013 SAWGRASS DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3647 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE ASHTON WEST PHASE II SOUTH PB 163 PG 40-46 LOT 719 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 24 |
| Legal Subdivision | LAKE ASHTON WEST PHASE II SOUTH |
| Legal Phase | II |
| Legal Block | 3 |
| Legal Lot Number | 719 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 3 |
| Census Block | 3041 |
| Census Tract | 14401 |
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 Company Names on Record |
|---|---|
| Mailing Address | 1013 SAWGRASS DR, WINTER HAVEN, FL 33884-3647 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Living Trust |
| Date | Document |
|---|---|
| Nov 13, 2025 | Deed of Trust, Mortgage · VA Mortgage LIBERTY 1 LENDING INC |
| Oct 8, 2025 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Mar 15, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Dec 11, 2020 | Reverse Mortgage, Subdivision Related Transfer · FHA Mortgage MUTUAL/OMAHA MTG LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 25, 2025 · Amount on Record |
| Deed Sale | Feb 25, 2025 · Amount on Record |
| Prior Sale | Dec 11, 2020 · Amount on Record |
| Deed Document Number | 202543205 |
| Deed Book / Page | 13445 / 1295 |
| Prior Transfer Date | Mar 9, 2021 |
| Prior Transfer Doc | 0000065347 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1013 SAWGRASS DR, WINTER HAVEN, FL 33884-3647 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1013 SAWGRASS DR, WINTER HAVEN, FL 33884-3647 |
| Document Number | 0000267972 |
|---|---|
| Date | Nov 13, 2025 |
| Book Page | 13775/969 |
| Instrument | 2025267972 |
| Name | LIBERTY 1 LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LIVONIA, MI 48150 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 8, 2025 |
| Property Address | 1013 SAWGRASS DR, WINTER HAVEN, FL 33884-3647 |
| Document Number | 0000236152 |
| Book / Page | 13728 / 1488 |
| Map Reference | MB 163 PG 40 |
| Instrument Date | Oct 1, 2025 |
| Instrument | 2025236152 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1013 SAWGRASS DR, CYPRESS GDNS, FL 33884-3647 |
| Name | Verified Name |
|---|---|
| Relationship | Family Living Trust |
| Address | 1018 SAWGRASS DR, WINTER HAVEN, FL 33884-3650 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 15, 2021 |
| Property Address | 1013 SAWGRASS DR, WINTER HAVEN, FL 33884-3647 |
| Document Number | 0000065347 |
| Book / Page | 11622 / 820 |
| Map Reference | MB 163 PG 40 |
| Instrument Date | Mar 9, 2021 |
| Instrument | 2021065347 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1013 SAWGRASS DR, WINTER HAVEN, FL 33884-3647 |
| Document Type | Reverse Mortgage |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 11, 2020 |
| Property Address | 1013 SAWGRASS DR, WINTER HAVEN, FL 33884-3647 |
| Document Number | 0114910430 |
| Book / Page | 011491 / 000430 |
| Instrument Date | Dec 9, 2020 |
| Instrument | 267446 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 2, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,684.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1013 SAWGRASS DR WINTER HAVEN FL 338843647, WINTER HAVEN, FL 33884-3647 |
| Document Number | 114910433 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 011491/000433 |
| Instrument | 267447 |
| Name | MUTUAL/OMAHA MTG LLC |
|---|---|
| Address | SAN DIEGO, CA 92108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 852 Months |
| Due | Dec 10, 2091 |
| Rate Type | Adjustable Rate |
|---|
| Document Number | 114910450, |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 011491/000450 |
| Instrument | 267448 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 852 Months |
| Due | Dec 10, 2091 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.43% |
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 | $279,492 (+4.91%) Land $55,000 Building $224,492 | $279,492 (-7.19%) Land $55,000 Building $224,492 | |
| 2025 | $4,168.00 (-48.8%) Homeowner's exemption | $266,404 (+2.9%) | $301,151 (-3.33%) Land $55,000 Building $246,151 |
| 2024 | $8,141.00 (+4.2%) Homeowner's exemption | $258,896 (+3%) | $311,536 (-1.83%) Land $55,000 Building $256,536 |
| 2023 | $7,813.00 (+7.03%) Homeowner's exemption | $251,355 (+7.76%) | $317,357 (+15.94%) Land $52,000 Building $265,357 |
| 2022 | $7,300.00 Homeowner's exemption | $233,251 | $273,735 Land $50,000 Building $223,735 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 42 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 42 in force |
| Nearby Flood Claims | 1 (2022) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 70% of the US · above 51% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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.
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 187 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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