109 Lagoon Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 109 Lagoon Rd, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,881 sqft · built 1973
Lot Size	0.221 acres (9,614 sqft)
Owner	Company Name on File
Last Sale	$165,900 (Oct 2017)
Tax Bill	$1,617 (2025)
Deeds & Mortgages	Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-36-663000-000906`

Property Details

APN / Parcel Number

Primary APN	`26-28-36-663000-000906`
Alternative APNs	`362826663000000906` `62826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,881 sqft Living Area
Gross Area	2,359 sqft
1st Floor Area	1,881 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	9,614 sqft (0.221 acres)
Lot Dimensions	112 ft deep x 90 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	478 sqft
Porch	Unfinished Open Porch
Porch Area	56 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	109 LAGOON RD
City	WINTER HAVEN
State	FL
Zip	33884-2564
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	FLA HIGHLANDS CO SUB PB 3 PG 27 LOT 9 BEG 150 FT W OF SE COR OF S 1/2 OF NW1/4 OF SE1/4 RUN W 90 FT N 104.48 FT TO PT ON CURVE NELY ALONG CURVE A CHORD DISTANCE OF 75.86 FT E 15.79 FT S 120.19 FT TO POB BEING LOT 32 OF UNREC GARDEN GROVE HARBORS #2
Legal Range	26E
Legal Township	28S
Legal Section	36
Legal Subdivision	FLORIDA HIGHLAND CO SUBDIVISION
Legal Tract	663000
Legal Block	2
Legal Lot Number	9
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2000
Census Tract	14001

Owner

109 Lagoon Rd is owned by a company that bought it in October 2017 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	109 LAGOON RD, WINTER HAVEN, FL 33884-2564
Occupancy	Owner Occupied
Owner Type	Company

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	Name on Deed
Last Sale	Oct 27, 2017 · Amount on File
Deed Sale	Oct 27, 2017 · Amount on File
Prior Sale	Apr 3, 2003 · Amount on File
Deed Document Number	2017206357
Deed Book / Page	10298 / 1338
Record Updated	Oct 29, 2026

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 27, 2017
Property Address	109 LAGOON RD, WINTER HAVEN, FL 33884-2564
Document Number	0102981338
Book / Page	010298 / 001338
Instrument Date	Oct 25, 2017
Instrument	206357
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,161.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 LAGOON RD WINTER HAVEN FL 338842564, WINTER HAVEN, FL 33884-2564

Mortgage

Document Number	102981339
Date	Oct 27, 2017
Book Page	010298/001339
Instrument	206358

Lender

Name	COLUMBUS CAP LNDG
Type	Funding / Finance Company
Address	MIAMI, FL 33173

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 26, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 109 Lagoon Rd was $1,617 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		$169,787 (+2.7%)	$254,991 (-1.63%) Land $39,413 Building $215,578
2025	$1,617.00 Homeowner's exemption	$165,323	$259,224 Land $39,413 Building $219,811
2023	$2,000.00 (+3.68%) Homeowner's exemption	$155,984 (+3%)	$272,878 (+17.32%) Land $38,452 Building $234,426
2022	$1,929.00 Homeowner's exemption	$151,441	$232,584 Land $31,723 Building $200,861

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

Flood

FEMA maps place 109 Lagoon Rd in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2017–2022)
Claims Outside the SFHA	1 of 3
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

Wildfire risk around 109 Lagoon Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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.

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 132 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