1049 Windlass Way, Winter Haven, FL 33880 Property Records

Polk County property record for 1049 Windlass Way, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,022 sqft · built 2017
Lot Size	0.864 acres (37,645 sqft)
Owner	2 Individual Names on File
Last Sale	$45,000 (Aug 2016)
Tax Bill	$2,135 (2025)
Deeds & Mortgages	Apr 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`25-28-36-355259-000520`

Property Details

APN / Parcel Number

Primary APN	`25-28-36-355259-000520`
Alternative APNs	`362825355259000520` `62825000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,022 sqft Living Area
Gross Area	2,462 sqft
1st Floor Area	2,022 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	37,645 sqft (0.864 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Porch	Screened/Unfinished Porch
Porch Area	276 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	1049 WINDLASS WAY
City	WINTER HAVEN
State	FL
Zip	33880-1984
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHORES AT LAKE SEARS PB 141 PGS 19-22 LOT 52
Legal Range	25E
Legal Township	28S
Legal Section	36
Legal Subdivision	SHORES AT LAKE SEARS
Legal Tract	355259
Legal Block	2
Legal Lot Number	52
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2001
Census Tract	13802

Owner

1049 Windlass Way is owned and occupied by two individuals who bought it in August 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	1049 WINDLASS WAY, WINTER HAVEN, FL 33880-1984
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	Aug 2, 2016 · Amount on File
Deed Sale	Aug 2, 2016 · Amount on File
Deed Document Number	2016139390
Deed Book / Page	9893 / 2134
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1049 WINDLASS WAY, WINTER HAVEN, FL 33880-1984
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1049 WINDLASS WAY, WINTER HAVEN, FL 33880-1984

Mortgage

Document Number	0000113534
Date	Apr 27, 2022
Book Page	12226/1721
Instrument	2022113534

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33803

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1049 Windlass Way was $2,135 with a homeowner's exemption.

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		$210,947 (+2.7%)	$359,106 (+1.42%) Land $86,100 Building $273,006
2025	$2,135.00 Homeowner's exemption	$205,401	$354,091 Land $86,100 Building $267,991
2023	$2,763.00 (+5.62%) Homeowner's exemption	$193,798 (+3%)	$376,797 (+11.9%) Land $84,100 Building $292,697
2022	$2,616.00 Homeowner's exemption	$188,153	$336,724 Land $70,100 Building $266,624

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

Flood

FEMA maps place 1049 Windlass Way in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	143.4 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	5 (2004–2017)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Frances, Sep 2004 · 3 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

Wildfire risk around 1049 Windlass Way is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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	CENTRAL serves 13,595 people · EPA ID FL6534609
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	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	10 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 81 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
T-Mobile Fixed Wireless	100 / 20