108 Edgewater Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 108 Edgewater Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,259 sqft · built 1962
Lot Size	0.167 acres (7,279 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Jan 2022)
Tax Bill	$2,331 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jul 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-08-528700-000760`

Property Details

APN / Parcel Number

Primary APN	`26-28-08-528700-000760`
Alternative APNs	`082826528700000760` `82826000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,259 sqft Living Area
1st Floor Area	1,089 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2000
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	7,279 sqft (0.167 acres)
Lot Dimensions	104 ft deep x 70 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Porch	Florida Room
Porch Area	238 sqft

Location & Zoning

Street Address	108 EDGEWATER DR
City	WINTER HAVEN
State	FL
Zip	33881-9611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CAREFREE COVE PB 43 PG 19 LOT 76
Legal Range	26E
Legal Township	28S
Legal Section	08
Legal Subdivision	CAREFREE COVE
Legal Tract	528700
Legal Block	1
Legal Lot Number	76
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1032
Census Tract	13601

Owner

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	Individual Name on Record
Mailing Address	30917 MIDTOWN CT, WESLEY CHAPEL, FL 33545-1337
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Jul 14, 2020	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MTG
Feb 19, 2018	Warranty Deed, Transfer BRIGHT TITLE AND TRUST LLC
Dec 15, 2017	Warranty Deed, Transfer BRIGHT TITLE AND TRUST LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2022 · Amount on Record
Deed Sale	Jan 27, 2022 · Amount on Record
Prior Sale	Jul 14, 2020 · Amount on Record
Deed Document Number	202223361
Deed Book / Page	12090 / 2271
Prior Transfer Date	Nov 2, 2015
Prior Transfer Doc	0000025477
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 27, 2022
Property Address	108 EDGEWATER DR, WINTER HAVEN, FL 33881-9611
Document Number	0000023361
Book / Page	12090 / 2271
Map Reference	MB 43 PG 19
Instrument Date	Jan 25, 2022
Instrument	2022023361
Transaction Type	Transfer
Record Updated	Feb 9, 2022
Title Company	THE TITLE STATION INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	92-1087 PAINIU PL, 92-1087, KAPOLEI, HI 96707-1457

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30917 MIDTOWN CT, WESLEY CHAPEL, FL 33545-1337

Mortgage

Document Number	0120902274
Date	Jan 27, 2022
Instrument	12090/2274

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 14, 2020
Property Address	108 EDGEWATER DR, WINTER HAVEN, FL 33881-9611
Document Number	0112970484
Book / Page	011297 / 000484
Instrument Date	Jun 6, 2020
Instrument	140080
Transaction Type	Transfer
Record Updated	Aug 3, 2020
Title Company	ARTESIAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$847.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	92-1087 PAINIU PL KAPOLEI HI 967071457, KAPOLEI, HI 96707-1457

Mortgage

Document Number	112970486
Date	Jul 14, 2020
Book Page	011297/000486
Instrument	140081

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 13, 2035

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 19, 2018
Property Address	108 EDGEWATER DR, WINTER HAVEN, FL 33881-9611
Document Number	0104000121
Book / Page	010400 / 000121
Instrument Date	Dec 29, 2017
Instrument	36855
Transaction Type	Transfer
Record Updated	Mar 1, 2018
Title Company	BRIGHT TITLE AND TRUST LLC

Transaction

Amount	Amount Recorded
Tax	$532.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2713 MIGLIARA LN OCOEE FL 347615030, OCOEE, FL 34761-5030

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 15, 2017
Property Address	108 EDGEWATER DR, WINTER HAVEN, FL 33881-9611
Document Number	0103420780
Book / Page	010342 / 000780
Instrument Date	Dec 8, 2017
Instrument	241423
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	BRIGHT TITLE AND TRUST LLC

Transaction

Amount	Amount Recorded
Tax	$280.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1969 S ALAFAYA TRL #209 ORLANDO FL 328288732, 209, ORLANDO, FL 32828-8732

Tax Assessment & Valuation

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		$173,373 (-1.44%) Land $18,500 Building $154,873	$173,373 (-1.44%) Land $18,500 Building $154,873
2025	$2,331.00 (-19.84%)	$175,900 (+2.16%) Land $18,500 Building $157,400	$175,900 (+2.16%) Land $18,500 Building $157,400
2024	$2,908.00 (+8.31%)
2023	$2,685.00 (+11.13%)	$172,177 (+19.52%) Land $18,000 Building $154,177	$172,177 (+19.52%) Land $18,000 Building $154,177
2022	$2,416.00	$144,052 Land $15,000 Building $129,052	$144,052 Land $15,000 Building $129,052

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
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

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% 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	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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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