Polk County property record for 1041 Sawgrass Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,016 sqft · built 2020 |
| Lot Size | 0.138 acres (5,998 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $339,000 (Feb 2020) |
| Tax Bill | $4,665 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Oct 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-24-690599-008070 |
| Primary APN | 26-29-24-690599-008070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,016 sqft Living Area |
| Gross Area | 2,995 sqft |
| 1st Floor Area | 2,016 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 | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 5,998 sqft (0.138 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 649 sqft |
| Porch | Florida Room |
| Porch Area | 378 sqft |
| Street Address | 1041 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 807 |
| 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 | 807 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 3 |
| Census Block | 3044 |
| Census Tract | 14401 |
1041 Sawgrass Dr is owned and occupied by two individuals who acquired it in September 2020.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1041 SAWGRASS DR, WINTER HAVEN, FL 33884-3647 |
| 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.
| Date | Document |
|---|---|
| Mar 4, 2026 | Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC |
| Oct 20, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Feb 17, 2020 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage FARMERS INS GRP FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 17, 2020 · Amount on File |
| Deed Sale | Feb 17, 2020 · Amount on File |
| Deed Document Number | 202035497 |
| Deed Book / Page | 11142 / 715 |
| Last Transfer Date | Sep 17, 2020 |
| Transfer Doc | 0000221224 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1041 SAWGRASS DR, WINTER HAVEN, FL 33884-3647 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1041 SAWGRASS DR, WINTER HAVEN, FL 33884-3647 |
| Document Number | 0000052642 |
|---|---|
| Date | Mar 4, 2026 |
| Book Page | 13904/1175 |
| Instrument | 2026052642 |
| Name | WEST CAPITAL LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 15, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 20, 2020 |
| Property Address | 1041 SAWGRASS DR, WINTER HAVEN, FL 33884-3647 |
| Document Number | 0114191805 |
| Book / Page | 011419 / 001805 |
| Instrument Date | Sep 17, 2020 |
| Instrument | 221224 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1041 SAWGRASS DR WINTER HAVEN FL 338843647, WINTER HAVEN, FL 33884-3647 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 17, 2020 |
| Property Address | 1041 SAWGRASS DR, WINTER HAVEN, FL 33884-3647 |
| Document Number | 0111420715 |
| Book / Page | 011142 / 000715 |
| Instrument Date | Feb 14, 2020 |
| Instrument | 35497 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 10, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,373.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5612 SUNNYBROOK CIR MINNETRISTA MN 553641272, MINNETRISTA, MN 55364-1272 |
| Document Number | 111420718 |
|---|---|
| Date | Feb 17, 2020 |
| Book Page | 011142/000718 |
| Instrument | 35498 |
| Name | FARMERS INS GRP FCU |
|---|---|
| Type | Credit Union |
| Address | LOS ANGELES, CA 90036-0911 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 16, 2050 |
The 2025 property tax bill for 1041 Sawgrass Dr was $4,665 with a homeowner's exemption.
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 | $300,883 (+2.7%) | $325,491 (-6.22%) Land $75,000 Building $250,491 | |
| 2025 | $4,665.00 Homeowner's exemption | $292,973 | $347,069 Land $75,000 Building $272,069 |
| 2023 | $8,287.00 (+4%) Homeowner's exemption | $276,423 (+3%) | $350,659 (+11.1%) Land $72,000 Building $278,659 |
| 2022 | $7,968.00 Homeowner's exemption | $268,372 | $315,625 Land $70,000 Building $245,625 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1041 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 risk around 1041 Sawgrass Dr is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.
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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