1747 Carnostie Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 1747 Carnostie Rd, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,250 sqft · built 2024
Lot Size	0.134 acres (5,828 sqft)
Owner	2 Individual Names on File
Last Sale	$353,600 (Nov 2024)
Tax Bill	$3,957 (2025)
Deeds & Mortgages	Nov 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-23-690585-001090`

Property Details

APN / Parcel Number

Primary APN	`26-29-23-690585-001090`
Alternative APN	`232926690585001090`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,250 sqft Living Area
Gross Area	2,670 sqft
1st Floor Area	939 sqft
Upper Floors Area	1,311 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	5,828 sqft (0.134 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch
Porch Area	159 sqft

Location & Zoning

Street Address	1747 CARNOSTIE RD
City	WINTER HAVEN
State	FL
Zip	33884-3462
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAMAR PHASE 3 PB 186 PG 41-47 LOT 109
Legal Range	26E
Legal Township	29S
Legal Section	23
Legal Subdivision	VILLAMAR PHASE 3
Legal Phase	3
Legal Block	4
Legal Lot Number	109
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4029
Census Tract	14501

Owner

Source: Polk County assessment roll, APN 26-29-23-690585-001090, as of 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	1747 CARNOSTIE RD, WINTER HAVEN, FL 33884-3462
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 13, 2024 · Amount on Record
Deed Sale	Nov 13, 2024 · Amount on Record
Deed Document Number	2024256869
Deed Book / Page	13330 / 922
Record Updated	Sep 20, 2026

November 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 13, 2024
Property Address	1747 CARNOSTIE RD, WINTER HAVEN, FL 33884-3462
Document Number	0000256869
Book / Page	13330 / 922
Map Reference	MB 186 PG 41
Instrument Date	Nov 08, 2024
Instrument	2024256869
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 13, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,475.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5060 LUNN RD, LAKELAND, FL 33811-2619

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1747 CARNOSTIE RD, WINTER HAVEN, FL 33884-3462

Mortgage

Document Number	0013330924
Date	Nov 13, 2024
Instrument	13330/924

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2054

Tax Assessment & Valuation

Source: Polk County assessment roll as of June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,957.00 (+29.27%) Homeowner's exemption	$255,078 (+431.41%) Land $50,000 Building $205,078	$255,078 (+431.41%) Land $50,000 Building $205,078
2023	$3,061.00 (+3.1%)	$48,000 (+2%) Land $48,000	$48,000 (+2%) Land $48,000
2022	$2,969.00	$40,000 Land $40,000	$40,000 Land $40,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), as of October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050145014, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 97 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	97 in force
Nearby Flood Claims	8 (2004–2022)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Sep 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

Wildfire

Wildfire Risk	High above 78% of the US · above 67% of Florida
Wildfire Likelihood	0.6% 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, 250 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max 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

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL6531992, 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.