104 Cavalier Rd, Winter Haven, FL 33880 Property Records

Polk County property record for 104 Cavalier Rd, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,384 sqft · built 1963
Lot Size	0.151 acres (6,595 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (May 2026)
Tax Bill	$74 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-20-690000-024922`

Property Details

APN / Parcel Number

Primary APN	`26-29-20-690000-024922`
Alternative APNs	`202926690000024922` `02926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,384 sqft Living Area
1st Floor Area	1,384 sqft
Utility Room	Utility Room
Flooring	Terrazzo
Interior Walls	Wood

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	6,595 sqft (0.151 acres)
Lot Dimensions	120 ft deep x 55 ft wide
View / Lot	Commercial/Industrial
Porch	Unfinished Open Porch
Porch Area	30 sqft
Shed	1 Shed

Location & Zoning

Street Address	104 CAVALIER RD
City	WINTER HAVEN
State	FL
Zip	33880-6119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	WAHNETA FARMS PB 1 PG 82A 82B LOT 249 E 55 FT OF W 190 FT OF S 120 FT OF N 435 FT
Legal Range	26E
Legal Township	29S
Legal Section	20
Legal Subdivision	WAHNETA FARMS
Legal Tract	690000
Legal Block	2
Legal Lot Number	249
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2010
Census Tract	14502

Owner

Source: Polk County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	104 CAVALIER RD, WINTER HAVEN, FL 33880-6119
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2026 · Amount on Record
Deed Sale	May 14, 2026 · Amount on Record
Prior Sale	Feb 13, 1996 · Amount on Record
Deed Document Number	2026115139
Deed Book / Page	13997 / 1895
Prior Transfer Date	Mar 29, 1993
Prior Transfer Doc	3250001673
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 14, 2026
Property Address	104 CAVALIER RD, WINTER HAVEN, FL 33880-6119
Document Number	0000115139
Book / Page	13997 / 1895
Instrument Date	May 8, 2026
Instrument	2026.115139
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	ALEX TITLE, APEX TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$116,655.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 CAVALIER RD, WINTER HAVEN, FL 33880-6119

Mortgage

Document Number	0000115140,
Date	May 14, 2026
Instrument	2026..115140

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$74.00 (-89.35%) Homeowner's exemption Widower's exemption	$35,740 (+5.99%)	$139,865 (-4.27%) Land $16,492 Building $123,373
2024	$695.00 (+29.18%)
2023	$538.00 (-2.89%) Homeowner's exemption	$33,721 (+3%)	$146,096 (+0.85%) Land $9,895 Building $136,201
2022	$554.00 Homeowner's exemption	$32,739	$144,866 Land $8,246 Building $136,620

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (2004–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims

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 65% of the US · above 42% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WAHNETA WATER SYSTEM serves 4,500 people · EPA ID FL6531917
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20