1032 Sawgrass Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 1032 Sawgrass Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,478 sqft · built 2018
Lot Size	0.238 acres (10,372 sqft)
Owner	2 Individual Names on File
Last Sale	$356,200 (Mar 2018)
Tax Bill	$5,058 (2025)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-24-690599-008040`

Property Details

APN / Parcel Number

Primary APN	`26-29-24-690599-008040`
Alternative APNs	`242926690599008040` `42926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,478 sqft Living Area
Gross Area	3,098 sqft
1st Floor Area	2,478 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	10,372 sqft (0.238 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	620 sqft
Porch	Screened/Unfinished Porch
Porch Area	329 sqft

Location & Zoning

Street Address	1032 SAWGRASS DR
City	WINTER HAVEN
State	FL
Zip	33884-3650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE ASHTON WEST PHASE II SOUTH PB 163 PG 40-46 LOT 804
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	804
Jurisdiction	POLK FL
Township / Civil Division	LAKE WALES
Census Block Group	3
Census Block	3041
Census Tract	14401

Owner

1032 Sawgrass Dr is owned and occupied by two individuals who bought it in March 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1032 SAWGRASS DR, WINTER HAVEN, FL 33884-3650
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2018 · Amount on File
Deed Sale	Mar 7, 2018 · Amount on File
Deed Document Number	201849950
Deed Book / Page	10415 / 2099
Record Updated	Oct 29, 2026

March 2018: Reverse Mortgage, Subdivision Related Transfer

Document Type	Reverse Mortgage
Jurisdiction	POLK FL
Recording Date	Mar 7, 2018
Property Address	1032 SAWGRASS DR, WINTER HAVEN, FL 33884-3650
Document Number	0104152099
Book / Page	010415 / 002099
Instrument Date	Mar 2, 2018
Instrument	49950
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,493.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1032 SAWGRASS DR WINTER HAVEN FL 338843650, WINTER HAVEN, FL 33884-3650

Mortgage

Document Number	104152102
Date	Mar 7, 2018
Book Page	010415/002102
Instrument	49951

Lender

Name	RETIREMENT FNDG SOLUTIONS
Address	SAN DIEGO, CA 92108

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1032 Months

Tax Assessment & Valuation

The 2025 property tax bill for 1032 Sawgrass Dr was $5,058 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$322,485 (+2.7%)	$366,373 (-2.1%) Land $80,000 Building $286,373
2025	$5,058.00 Homeowner's exemption	$314,007	$374,217 Land $80,000 Building $294,217
2023	$8,662.00 (+3.92%) Homeowner's exemption	$296,269 (+3%)	$410,018 (+8.82%) Land $79,000 Building $331,018
2022	$8,335.00 Homeowner's exemption	$287,640	$376,772 Land $79,000 Building $297,772

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

Flood

FEMA maps place 1032 Sawgrass Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 1032 Sawgrass Dr is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 63% of the US · lower than 60% 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 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