Polk County property record for 120 Carter Rd, Winter Haven, FL 33880
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 3 bd · 1 ba · 2,680 sqft · built 1958 |
| Lot Size | 0.572 acres (24,925 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $29,400 (Aug 2001) |
| Tax Bill | $892 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-20-000000-012700 |
| Primary APN | 26-29-20-000000-012700 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 2,680 sqft Living Area |
| Gross Area | 2,344 sqft |
| 1st Floor Area | 2,344 sqft |
| Flooring | Terrazzo |
| Interior Walls | Wood |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 24,925 sqft (0.572 acres) |
| Lot Dimensions | 136 ft deep x 186 ft wide |
| View / Lot | Duplex |
| Garage Type | Carport |
| Garage Area | 1,000 sqft |
| Carport | Carport |
| Carport Area | 1,000 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 24 sqft |
| Shed | 1 Shed |
| Utility Building | 400 sqft |
| Total Buildings | 2 Buildings |
| Street Address | 120 CARTER RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-6073 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | R3 |
| Legal Description | BEG NW COR OF N1/2 OF S1/2 OF N1/2 OF SE1/4 OF NE1/4 RUN E 264 FT S 25 FT E 240 FT FOR POB RUN E 130 FT S 14 FT E 20 FT N 14 FT E 36 FT S 136.2 FT W 186 FT N 136.2 FT TO POB |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 20 |
| Legal Subdivision | AMBERWOOD |
| Legal Tract | 000000 |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 14502 |
120 Carter Rd, a residential property, is owned and occupied by two individuals who bought it in August 2001.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 120 CARTER RD, WINTER HAVEN, FL 33880-6073 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2001 · Amount on File |
| Deed Sale | Aug 10, 2001 · Amount on File |
| Deed Book / Page | 4771 / 1929 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 120 Carter Rd was $892 with a homeowner's exemption.
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 | $107,500 (+0.07%) | $141,628 (-2.63%) Land $15,500 Building $126,128 | |
| 2025 | $892.00 Homeowner's exemption | $107,424 | $145,456 Land $15,500 Building $129,956 |
| 2023 | $2,175.00 (+3.23%) Homeowner's exemption | $109,900 (+5.17%) | $153,860 (+19.4%) Land $15,000 Building $138,860 |
| 2022 | $2,107.00 Homeowner's exemption | $104,501 | $128,859 Land $12,500 Building $116,359 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Carter Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 3 (2004–2022) |
| 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.
Wildfire risk around 120 Carter Rd is moderate, ranking above 66% 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 66% of the US · above 44% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WAHNETA WATER SYSTEM serves 4,500 people · EPA ID FL6531917 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 224 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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