Polk County property record for 1072 Sawgrass Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,045 sqft · built 2020 |
| Lot Size | 0.138 acres (6,003 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $345,700 (Sep 2020) |
| Tax Bill | $979 (2025) |
| Deeds & Mortgages | Sep 2023 Transfer Jun 2022 Reverse Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-24-690599-007940 |
| Primary APN | 26-29-24-690599-007940 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,045 sqft Living Area |
| Gross Area | 2,712 sqft |
| 1st Floor Area | 2,045 sqft |
| Flooring | Wood |
| 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 | 6,003 sqft (0.138 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 667 sqft |
| Porch | Screened/Unfinished Porch |
| Street Address | 1072 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 794 |
| 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 | 794 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1072 SAWGRASS DR, WINTER HAVEN, FL 33884-3650 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Sep 18, 2023 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Jun 13, 2022 | Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Mar 11, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Sep 16, 2020 | Reverse Mortgage, Subdivision Related Transfer · FHA Mortgage MUTUAL/OMAHA MTG LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2020 · Amount on Record |
| Deed Sale | Sep 16, 2020 · Amount on Record |
| Deed Document Number | 2020193044 |
| Deed Book / Page | 11377 / 752 |
| Last Transfer Date | Aug 2, 2023 |
| Transfer Doc | 0000219562 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 18, 2023 |
| Property Address | 1072 SAWGRASS DR, WINTER HAVEN, FL 33884-3650 |
| Document Number | 0000219562 |
| Book / Page | 12841 / 267 |
| Map Reference | MB 163 PG 40 |
| Instrument Date | Aug 2, 2023 |
| Instrument | 2023219562 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1072 SAWGRASS DR, WINTER HAVEN, FL 33884-3650 |
| Name | Verified Name |
|---|---|
| Address | 2803 DOUGLAS RD, PANAMA CITY, FL 32405-7104 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1072 SAWGRASS DR, WINTER HAVEN, FL 33884-3650 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1072 SAWGRASS DR, WINTER HAVEN, FL 33884-3650 |
| Document Number | 0000160731 |
|---|---|
| Date | Jun 13, 2022 |
| Book Page | 12294/314 |
| Instrument | 2022160731 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 907 Months |
| Due | Jan 11, 2098 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.02% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 9.02% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 11, 2022 |
| Property Address | 1072 SAWGRASS DR, WINTER HAVEN, FL 33884-3650 |
| Document Number | 0000066258 |
| Book / Page | 12156 / 1636 |
| Map Reference | MB 163 PG 40 |
| Instrument Date | Mar 11, 2022 |
| Instrument | 2022066258 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 HILLTOP DR, 20, ETTERS, PA 17319-9163 |
| Name | Verified Name |
|---|---|
| Address | 1072 SAWGRASS DR, WINTER HAVEN, FL 33884-3650 |
| Document Type | Reverse Mortgage |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 16, 2020 |
| Property Address | 1072 SAWGRASS DR, WINTER HAVEN, FL 33884-3650 |
| Document Number | 0113770752 |
| Book / Page | 011377 / 000752 |
| Instrument Date | Sep 14, 2020 |
| Instrument | 193044 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 8, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,420.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1072 SAWGRASS DR WINTER HAVEN FL 338843650, WINTER HAVEN, FL 33884-3650 |
| Document Number | 113770755 |
|---|---|
| Date | Sep 16, 2020 |
| Book Page | 011377/000755 |
| Instrument | 193045 |
| Name | MUTUAL/OMAHA MTG LLC |
|---|---|
| Address | SAN DIEGO, CA 92108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 972 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.79% |
| Document Number | 113770774, |
|---|---|
| Date | Sep 16, 2020 |
| Book Page | 011377/000774 |
| Instrument | 193046 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 972 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.79% |
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 | $318,682 (+2.7%) | $341,319 (-1.73%) Land $80,000 Building $261,319 | |
| 2025 | $979.00 (-73.77%) Homeowner's exemption | $310,304 (+5.99%) | $347,333 (-8.33%) Land $80,000 Building $267,333 |
| 2023 | $3,733.00 (+6.44%) Homeowner's exemption | $292,776 (+3%) | $378,895 (+10.4%) Land $79,000 Building $299,895 |
| 2022 | $3,507.00 Homeowner's exemption | $284,249 | $343,196 Land $79,000 Building $264,196 |
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 | Moderate above 68% of the US · above 48% 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 88 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 / 35 |
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