140 Lagoon Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 140 Lagoon Rd, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,419 sqft · built 1973
Lot Size	0.192 acres (8,364 sqft)
Owner	2 Individual Names on File
Last Sale	$127,000 (Nov 2013)
Tax Bill	$906 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-36-663000-000925`

Property Details

APN / Parcel Number

Primary APN	`26-28-36-663000-000925`
Alternative APNs	`362826663000000925` `62826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,419 sqft Living Area
Gross Area	1,971 sqft
1st Floor Area	1,419 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	8,364 sqft (0.192 acres)
Lot Dimensions	105 ft deep x 80 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	552 sqft
Pool Area	360 sqft
Porch	Unfinished Open Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	140 LAGOON RD
City	WINTER HAVEN
State	FL
Zip	33884-2527
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 NE COR OF S1/2 OF NW1/4 OF SE1/4 RUN W 640 FT S 335 FT TO POB CONT S 80 FT E 105 FT N 71.13 FT TO PT ON CURVE NWLY ALONG CURVE A CHORD DISTANCE OF 11.54 FT W 97.62 FT TO POB BEING LOT 44 OF UNREC GARDEN GROVE
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	2006
Census Tract	14001

Owner

Source: Polk County records · APN 26-28-36-663000-000925

Assessment roll updated June 23, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	140 LAGOON RD, WINTER HAVEN, FL 33884-2527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 27, 2013 · Amount on Record
Deed Sale	Nov 27, 2013 · Amount on Record
Deed Document Number	2013218808
Deed Book / Page	9121 / 1664
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	140 LAGOON RD, WINTER HAVEN, FL 33884-2527
Document Number	0114040734
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 29, 2020
Title Company	PGA TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	140 LAGOON RD WINTER HAVEN FL 338842527, WINTER HAVEN, FL 33884-2527

Mortgage

Document Number	0114040734
Date	Oct 07, 2020
Book Page	011404/000734
Instrument	210770

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341-3163

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 06, 2050

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$906.00 (-30.89%) Homeowner's exemption	$120,283 (+5.99%)	$225,383 (-3.78%) Land $34,288 Building $191,095
2023	$1,311.00 (-4.17%) Homeowner's exemption	$113,488 (+3%)	$234,240 (+17.14%) Land $33,452 Building $200,788
2022	$1,368.00 Homeowner's exemption	$110,183	$199,963 Land $27,598 Building $172,365

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 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

Wildfire

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

Based on FCC filings for 250 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.