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161 Lagoon Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 161 Lagoon Rd, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,405 sqft · built 1973
Lot Size0.241 acres (10,498 sqft)
Owner2 Individual Names on Record
Last Sale$211,000 (Nov 2020)
Tax Bill$1,858 (2025)
Deeds & MortgagesNov 2020 Sale & Mortgage
Jun 2020 Line of Credit
Flood ZoneZone X (minimal risk)
APN26-28-36-663000-000817

Property Details

APN / Parcel Number

Primary APN26-28-36-663000-000817
Alternative APNs
  • 362826663000000817
  • 62826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,405 sqft Living Area
Gross Area1,951 sqft
1st Floor Area1,405 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 2015
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area10,498 sqft (0.241 acres)
Lot Dimensions119 ft deep x 87 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area546 sqft
PorchUnfinished Open Porch
Porch Area116 sqft
Patio Area143 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address161 LAGOON RD
CityWINTER HAVEN
StateFL
Zip33884-2564
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionFLA HIGHLANDS CO SUB PB 3 PG 27 LOT 8 BEG 862.80 FT W OF SE COR OF S1/2 OF NW1/4 OF SE1/4 OF SEC RUNW 87.6 FT N 119.92 FT E 87.6 FT S 119.95 FT TO POB BEING LOT 19 OF UNREC GARDEN GROVE HARBORS #2
Legal Range26E
Legal Township28S
Legal Section36
Legal SubdivisionFLORIDA HIGHLAND CO SUBDIVISION
Legal Tract663000
Legal Block2
Legal Lot Number8
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2000
Census Tract14001

Owner

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 Record2 Individual Names on Record
Mailing Address161 LAGOON RD, WINTER HAVEN, FL 33884-2564
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 17, 2020Warranty Deed, Transfer · Conventional with PMI
FAIRWAY INDEPENDENT MTG
Jun 25, 2020Deed of Trust, Mortgage · Line of Credit
MIDFLORIDA CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 17, 2020 · Amount on Record
Deed SaleNov 17, 2020 · Amount on Record
Prior SaleJul 13, 2006 · Amount on Record
Deed Document Number2020247212
Deed Book / Page11460 / 757
Prior Transfer DateApr 26, 2012
Prior Transfer Doc0000077889
Record UpdatedOct 29, 2026

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateNov 17, 2020
Property Address161 LAGOON RD, WINTER HAVEN, FL 33884-2564
Document Number0114600757
Book / Page011460 / 000757
Instrument DateNov 17, 2020
Instrument247212
Transaction TypeTransfer
Record UpdatedDec 3, 2020
Title CompanyRIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,477.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address161 LAGOON RD WINTER HAVEN FL 338842564, WINTER HAVEN, FL 33884-2564

Mortgage

Document Number114600759
DateNov 17, 2020
Book Page011460/000759
Instrument247213
Lender
NameFAIRWAY INDEPENDENT MTG
TypeMortgage Company
AddressCARROLLTON, TX 75007
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueNov 16, 2050

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address161 LAGOON RD, WINTER HAVEN, FL 33884-2564
Document Number0112911046
Instrument DateJun 25, 2020
Transaction TypeMortgage
Record UpdatedJul 29, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address161 LAGOON RD WINTER HAVEN FL 338842564, WINTER HAVEN, FL 33884-2564

Mortgage

Document Number0112911046
DateJul 8, 2020
Book Page011291/001046
Instrument136109
Lender
NameMIDFLORIDA CU
AddressLAKELAND, FL 33802
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueJul 7, 2040
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$188,924 (+2.7%)$230,937 (-4.65%) Land $41,273 Building $189,664
2025$1,858.00 (-16.68%) Homeowner's exemption$183,957 (+5.99%)$242,206 (-5.48%) Land $41,273 Building $200,933
2023$2,230.00 (+3.43%) Homeowner's exemption$173,566 (+3%)$256,236 (+19.13%) Land $40,273 Building $215,963
2022$2,156.00 Homeowner's exemption$168,511$215,092 Land $33,229 Building $181,863

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies11 in force
Nearby Flood Claims3 (2017–2022)
Claims Outside the SFHA1 of 3
Most Recent ClaimSep 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

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

Wildfire RiskModerate
above 51% of the US · lower than 78% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation

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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 260 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20

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