Polk County property record for 108 Emanuelle Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,851 sqft · built 2023 |
| Lot Size | 0.143 acres (6,247 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $306,994 (Mar 2024) |
| Tax Bill | $3,757 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Mar 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-23-690587-000020 |
| Primary APN | 26-29-23-690587-000020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,851 sqft Living Area |
| Gross Area | 2,292 sqft |
| 1st Floor Area | 1,851 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 6,247 sqft (0.143 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
| Street Address | 108 EMANUELLE DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3453 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VILLAMAR PHASE 1 PB 176 PGS 50-58 LOT 2 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 23 |
| Legal Subdivision | VILLAMAR PHASE 1 |
| Legal Phase | 1 |
| Legal Block | 4 |
| Legal Lot Number | 2 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4059 |
| Census Tract | 14501 |
Source: Polk County assessment roll, as of July 23, 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 File |
|---|---|
| Mailing Address | 108 EMANUELLE DR, WINTER HAVEN, FL 33884-3453 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 7, 2026 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT |
| Mar 4, 2024 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 4, 2024 · Amount on Record |
| Deed Sale | Mar 4, 2024 · Amount on Record |
| Deed Document Number | 202450192 |
| Deed Book / Page | 13027 / 63 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 7, 2026 |
| Property Address | 108 EMANUELLE DR, WINTER HAVEN, FL 33884-3453 |
| Document Number | 0000190723 |
| Book / Page | 14107 / 906 |
| Instrument Date | May 29, 2026 |
| Instrument | 2026190723 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 108 EMANUELLE DR, WINTER HAVEN, FL 33884-3453 |
| Document Number | 0000190723, |
|---|---|
| Date | Aug 7, 2026 |
| Book Page | 14107/906 |
| Instrument | 2026190723 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 331 Months |
| Due | Mar 1, 2054 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 4, 2024 |
| Property Address | 108 EMANUELLE DR, WINTER HAVEN, FL 33884-3453 |
| Document Number | 0000050192 |
| Book / Page | 13027 / 63 |
| Map Reference | MB 176 PG 50-58 |
| Instrument Date | Feb 27, 2024 |
| Instrument | 2024050192 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 15, 2024 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,149.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7835 OSCEOLA POLK LINE RD, DAVENPORT, FL 33896-9100 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 108 EMANUELLE DR, WINTER HAVEN, FL 33884-3453 |
| Investor | Possibly a Property Investor |
| Document Number | 0001302765 |
|---|---|
| Date | Mar 4, 2024 |
| Instrument | 13027/65 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2054 |
Source: Polk County assessment roll, as of July 23, 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 |
|---|---|---|---|
| 2025 | $3,757.00 (+30.72%) Homeowner's exemption | $244,425 (+409.22%) Land $50,000 Building $194,425 | $244,425 (+409.22%) Land $50,000 Building $194,425 |
| 2023 | $2,874.00 (+3.16%) | $48,000 (+2%) Land $48,000 | $48,000 (+2%) Land $48,000 |
| 2022 | $2,786.00 | $40,000 Land $40,000 | $40,000 Land $40,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 97 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 97 in force |
| Nearby Flood Claims | 8 (2004–2022) |
| Claims Outside the SFHA | 4 of 8 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 | High above 72% of the US · above 55% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 214 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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