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1703 Carnostie Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 1703 Carnostie Rd, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,430 sqft · built 2024
Lot Size0.109 acres (4,731 sqft)
Owner2 Individual Names on File
Last Sale$367,000 (Aug 2024)
Tax Bill$4,164 (2025)
Deeds & MortgagesAug 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-23-690585-001200

Property Details

APN / Parcel Number

Primary APN26-29-23-690585-001200
Alternative APN
  • 232926690585001200

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,430 sqft Living Area
Gross Area2,850 sqft
1st Floor Area1,029 sqft
Upper Floors Area1,401 sqft

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeHip
Roof MaterialOther
Lot Area4,731 sqft (0.109 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchUnfinished Open Porch
Porch Area159 sqft

Location & Zoning

Street Address1703 CARNOSTIE RD
CityWINTER HAVEN
StateFL
Zip33884-3461
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionVILLAMAR PHASE 3 PB 186 PG 41-47 LOT 120
Legal Range26E
Legal Township29S
Legal Section23
Legal SubdivisionVILLAMAR PHASE 3
Legal Phase3
Legal Block4
Legal Lot Number120
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4029
Census Tract14501

Owner

Source: Polk County assessment roll, as of June 23, 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 File
Mailing Address1703 CARNOSTIE RD, WINTER HAVEN, FL 33884-3461
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 23, 2024 · Amount on Record
Deed SaleAug 23, 2024 · Amount on Record
Deed Document Number2024196317
Deed Book / Page13240 / 2129
Record UpdatedSep 20, 2026

August 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateAug 23, 2024
Property Address1703 CARNOSTIE RD, WINTER HAVEN, FL 33884-3461
Document Number0000196317
Book / Page13240 / 2129
Map ReferenceMB 186 PG 41
Instrument DateAug 21, 2024
Instrument2024196317
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 13, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,569.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5060 LUNN RD, LAKELAND, FL 33811-2619

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1703 CARNOSTIE RD, WINTER HAVEN, FL 33884-3461

Mortgage

Document Number0132402131
DateAug 23, 2024
Instrument13240/2131
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2054

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,164.00 (+37.88%)$266,156 (+478.6%) Land $48,000 Building $218,156$266,156 (+478.6%) Land $48,000 Building $218,156
2023$3,020.00 (+3.04%)$46,000 (+21.05%) Land $46,000$46,000 (+21.05%) Land $46,000
2022$2,931.00$38,000 Land $38,000$38,000 Land $38,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 97 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies97 in force
Nearby Flood Claims8 (2004–2022)
Claims Outside the SFHA4 of 8
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 2 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

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 RiskHigh
above 78% of the US · above 67% of Florida
Wildfire Likelihood0.6% annual chance
ExposureDirect
burnable vegetation at the parcel

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 250 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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