176 Lagoon Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 176 Lagoon Rd, Winter Haven, FL 33884 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,366 sqft · built 1973
Lot Size	0.193 acres (8,398 sqft)
Owner	2 Individual Names on File
Last Sale	$199,400 (Oct 2020)
Tax Bill	$1,741 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage May 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-28-36-663000-000835`

Property Details

APN / Parcel Number

Primary APN	`26-28-36-663000-000835`
Alternative APNs	`362826663000000835` `62826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,366 sqft Living Area
Gross Area	1,912 sqft
1st Floor Area	1,366 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	8,398 sqft (0.193 acres)
Lot Dimensions	105 ft deep x 80 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	546 sqft
Porch	Unfinished Open Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	176 LAGOON RD
City	WINTER HAVEN
State	FL
Zip	33884-2527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FLA HIGHLANDS CO SUB PB 3 PG 27 LOT 8 W 80 FT OF E 1035 FT OF S 105 FT OF N 390 FT OF S1/2 OF NW1/4 OF SE1/4 BEING LOT 65 OF UNREC GARDEN GROVE HARBORS #2
Legal Range	26E
Legal Township	28S
Legal Section	36
Legal Subdivision	FLORIDA HIGHLAND CO SUBDIVISION
Legal Tract	663000
Legal Block	2
Legal Lot Number	8
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2001
Census Tract	14001

Owner

Source: Polk County records · APN 26-28-36-663000-000835

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	176 LAGOON RD, WINTER HAVEN, FL 33884-2527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Warranty Deed, Transfer · Conventional with PMI WELLS FARGO BK
May 29, 2020	Warranty Deed, Transfer ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SVCS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 14, 2020 · Amount on Record
Deed Sale	Oct 14, 2020 · Amount on Record
Prior Sale	May 29, 2020 · Amount on Record
Deed Document Number	2020217404
Deed Book / Page	11414 / 206
Transfer Doc	5078002009
Record Updated	Sep 20, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 14, 2020
Property Address	176 LAGOON RD, WINTER HAVEN, FL 33884-2527
Document Number	0114140206
Book / Page	011414 / 000206
Instrument Date	Sep 30, 2020
Instrument	217404
Transaction Type	Transfer
Record Updated	Nov 03, 2020
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,396.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	176 LAGOON RD WINTER HAVEN FL 338842527, WINTER HAVEN, FL 33884-2527

Mortgage

Document Number	114140208
Date	Oct 14, 2020
Book Page	011414/000208
Instrument	217405

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 13, 2050

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 29, 2020
Property Address	176 LAGOON RD, WINTER HAVEN, FL 33884-2527
Document Number	0112471378
Book / Page	011247 / 001378
Instrument Date	May 22, 2020
Instrument	106791
Transaction Type	Transfer
Record Updated	Jun 18, 2020
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$634.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	350 ECHO PINES WAY LAKELAND FL 338134509, LAKELAND, FL 33813-4509

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	$1,741.00 (-17.8%) Homeowner's exemption	$174,885 (+5.99%)	$231,929 (-5.69%) Land $34,432 Building $197,497
2023	$2,118.00 (+3.52%) Homeowner's exemption	$165,006 (+3%)	$245,909 (+19.55%) Land $33,592 Building $212,317
2022	$2,046.00 Homeowner's exemption	$160,200	$205,688 Land $27,713 Building $177,975

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050140012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
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, river or lake flooding, Hurricane Ian

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 12% of Florida
Wildfire Likelihood	About 1 in 1,235 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 260 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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