Polk County property record for 109 Suwannee Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,284 sqft · built 1958 |
| Lot Size | 0.39 acres (17,006 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $105,000 (Dec 2018) |
| Tax Bill | $2,251 (2025) |
| Deeds & Mortgages | Dec 2020 Sale Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-34-662000-004010 |
| Primary APN | 26-28-34-662000-004010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,284 sqft Living Area |
| Gross Area | 1,648 sqft |
| 1st Floor Area | 1,284 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 17,006 sqft (0.39 acres) |
| Lot Dimensions | 380 ft deep x 93 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 364 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 174 sqft |
| Utility Building | 144 sqft |
| Cooling System | Central |
|---|
| Street Address | 109 SUWANNEE RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | ELOISE WOODS LAKE MARIAM UNIT PB 17 PG 49 49A 49B LOT 401 & WLY 1/2 OF 402 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 34 |
| Legal Subdivision | ELOISE WOODS LAKE MARIAM UNIT |
| Legal Tract | 662000 |
| Legal Block | 2 |
| Legal Lot Number | 401 |
| Legal Unit | PB |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 13902 |
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 | 109 SUWANNEE RD, WINTER HAVEN, FL 33884-1417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 2, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Dec 13, 2018 | Warranty Deed, Transfer · Conventional Mortgage FIRST MTG CORP/WINTER HAVEN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 13, 2018 · Amount on Record |
| Deed Sale | Dec 13, 2018 · Amount on Record |
| Deed Document Number | 2018258078 |
| Deed Book / Page | 10696 / 1315 |
| Prior Transfer Date | Mar 1, 2004 |
| Prior Transfer Doc | 0000046138 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 2, 2020 |
| Property Address | 109 SUWANNEE RD, WINTER HAVEN, FL 33884-1417 |
| Document Number | 0114750057 |
| Book / Page | 011475 / 000057 |
| Instrument Date | Nov 24, 2020 |
| Instrument | 257317 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $735.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 LAKE LINK DR SE WINTER HAVEN FL 338844116, WINTER HAVEN, FL 33884-4116 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 13, 2018 |
| Property Address | 109 SUWANNEE RD, WINTER HAVEN, FL 33884-1417 |
| Document Number | 0106961315 |
| Book / Page | 010696 / 001315 |
| Instrument Date | Dec 7, 2018 |
| Instrument | 258078 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2019 |
| Title Company | INTEGRITY FIRST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $735.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 50 HILLCREST DR HIGHLANDS NC 287417428, HIGHLANDS, NC 28741-7428 |
| Document Number | 106961317 |
|---|---|
| Date | Dec 13, 2018 |
| Book Page | 010696/001317 |
| Instrument | 258079 |
| Name | FIRST MTG CORP/WINTER HAVEN |
|---|---|
| Type | Mortgage Company |
| Address | WINTER HAVEN, FL 33880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 12, 2038 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $211,588 (+0.59%) Land $68,023 Building $143,565 | $211,588 (+0.59%) Land $68,023 Building $143,565 | |
| 2025 | $2,251.00 (-28.54%) Homeowner's exemption | $210,354 (-4.89%) Land $64,622 Building $145,732 | $210,354 (-4.89%) Land $64,622 Building $145,732 |
| 2024 | $3,150.00 (+6.78%) | ||
| 2023 | $2,950.00 (+8.58%) | $221,161 (+11.4%) Land $62,922 Building $158,239 | $221,161 (+11.4%) Land $62,922 Building $158,239 |
| 2022 | $2,717.00 | $198,524 Land $52,718 Building $145,806 | $198,524 Land $52,718 Building $145,806 |
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 25 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 2 (2004) |
| Most Recent Claim | Sep 2004 · Hurricane Frances |
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 | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 308 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 |
| Verizon Fixed Wireless | 300 / 20 |
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