1096 Sawgrass Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 1096 Sawgrass Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,045 sqft · built 2020
Lot Size	0.173 acres (7,540 sqft)
Owner	Individual Name on File
Last Sale	$358,500 (Oct 2020)
Tax Bill	$4,922 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-24-690599-007880`

Property Details

APN / Parcel Number

Primary APN	`26-29-24-690599-007880`
Alternative APNs	`242926690599007880` `42926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,045 sqft Living Area
Gross Area	2,694 sqft
1st Floor Area	2,045 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	7,540 sqft (0.173 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	649 sqft
Porch	Screened/Unfinished Porch

Location & Zoning

Street Address	1096 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 788
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	788
Jurisdiction	POLK FL
Township / Civil Division	LAKE WALES
Census Block Group	3
Census Block	3041
Census Tract	14401

Owner

1096 Sawgrass Dr is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 648, AGUANGA, CA 92536-0648
Occupancy	Owner Occupied
Owner Type	Individual

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 13, 2020 · Amount on File
Deed Sale	Oct 13, 2020 · Amount on File
Deed Document Number	2020216115
Deed Book / Page	11412 / 171
Record Updated	Oct 29, 2026

October 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Oct 13, 2020
Property Address	1096 SAWGRASS DR, WINTER HAVEN, FL 33884-3650
Document Number	0114120171
Book / Page	011412 / 000171
Instrument Date	Oct 8, 2020
Instrument	216115
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,510.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1096 SAWGRASS DR WINTER HAVEN FL 338843650, WINTER HAVEN, FL 33884-3650

Mortgage

Document Number	114120174
Date	Oct 13, 2020
Book Page	011412/000174
Instrument	216116

Lender

Name	CITIZENS BK
Type	Bank
Address	FROSTPROOF, FL 33843

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 12, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1096 Sawgrass Dr was $4,922 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$314,975 (+2.7%)	$336,942 (-1.98%) Land $80,000 Building $256,942
2025	$4,922.00 Homeowner's exemption	$306,694	$343,745 Land $80,000 Building $263,745
2023	$8,531.00 (+3.95%) Homeowner's exemption	$289,370 (+3%)	$375,215 (+10.39%) Land $79,000 Building $296,215
2022	$8,207.00 Homeowner's exemption	$280,942	$339,897 Land $79,000 Building $260,897

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

Flood

FEMA maps place 1096 Sawgrass Dr 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 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.

Wildfire

Wildfire risk around 1096 Sawgrass Dr is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.

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.

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 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