12 Enclave Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 12 Enclave Dr, Winter Haven, FL 33884

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,526 sqft · built 1997
Lot Size	0.051 acres (2,217 sqft)
Owner	2 Trust Names on File
Last Sale	$260,000 (Feb 2025)
Tax Bill	$2,450 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-28-31-850501-000120`

Property Details

APN / Parcel Number

Primary APN	`27-28-31-850501-000120`
Alternative APNs	`312827850501000120` `12827000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,526 sqft Living Area
Gross Area	2,117 sqft
1st Floor Area	1,526 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	2,217 sqft (0.051 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Florida Room
Porch Area	182 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	12 ENCLAVE DR
City	WINTER HAVEN
State	FL
Zip	33884-1326
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	CYPRESSWOOD ENCLAVE PHASE ONE PB 100 PGS 13 & 14 LOT 12
Legal Range	27E
Legal Township	28S
Legal Section	31
Legal Subdivision	CYPRESSWOOD ENCLAVE PHASE ONE
Legal Phase	1
Legal Tract	850501
Legal Block	2
Legal Lot Number	12
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	2
Census Block	2064
Census Tract	14123

Owner

12 Enclave Dr, a townhouse, is held in a trust since February 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	65 CHATHAM HILL RD, SOUTH GLASTONBURY, CT 06073-3543
Owner Type	Company
Vesting	Trust, Revocable Trust

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	2 Names on Deed
Last Sale	Feb 27, 2025 · Amount on File
Deed Sale	Feb 27, 2025 · Amount on File
Prior Sale	Jul 14, 2020 · Amount on File
Deed Document Number	202544600
Deed Book / Page	13447 / 1595
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 14, 2020
Property Address	12 ENCLAVE DR, WINTER HAVEN, FL 33884-1326
Document Number	0112980008
Book / Page	011298 / 000008
Instrument Date	Jul 8, 2020
Instrument	140695
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 S BUSHMILL DR BLOOMINGTON IN 474038945, BLOOMINGTON, IN 47403-8945

Mortgage

Document Number	112980010
Date	Jul 14, 2020
Book Page	011298/000010
Instrument	140696

Lender

Name	RUOFF MTG
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 13, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 12 Enclave Dr was $2,450, down 22.8% from the year before.

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		$185,500 (-2.11%) Land $100 Building $185,400	$185,500 (-2.11%) Land $100 Building $185,400
2025	$2,450.00 (-22.79%)	$189,500 (-5.01%) Land $100 Building $189,400	$189,500 (-5.01%) Land $100 Building $189,400
2024	$3,173.00 (+11.18%)	$199,500 (+7.26%) Land $100 Building $199,400	$199,500 (+7.26%) Land $100 Building $199,400
2023	$2,854.00 (+9.94%)	$186,000 (+14.81%) Land $100 Building $185,900	$186,000 (+14.81%) Land $100 Building $185,900
2022	$2,596.00	$162,000 Land $100 Building $161,900	$162,000 Land $100 Building $161,900

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

Flood

FEMA maps place 12 Enclave 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 105 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	105 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 12 Enclave Dr is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% 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 233 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