177 Lagoon Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 177 Lagoon Rd, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,810 sqft · built 1973
Lot Size	0.319 acres (13,900 sqft)
Owner	Individual Name on File
Last Sale	$145,001 (Jan 2015)
Tax Bill	$1,668 (2025)
Deeds & Mortgages	Aug 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`26-28-36-663000-000808`

Property Details

APN / Parcel Number

Primary APN	`26-28-36-663000-000808`
Alternative APNs	`362826663000000808` `62826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,810 sqft Living Area
Gross Area	2,330 sqft
1st Floor Area	1,810 sqft
Flooring	Carpet
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	13,900 sqft (0.319 acres)
Lot Dimensions	158 ft deep x 77 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	520 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Unfinished Open Porch
Porch Area	48 sqft
Patio Area	114 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	177 LAGOON RD
City	WINTER HAVEN
State	FL
Zip	33884-2564
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	FLA HIGHLANDS CO SUB PB 3 PG 27 LOT 8 BEG NW COR OF S1/2 OF NW1/4 OF SE1/4 RUN S 01 DEG 14 MIN 10 SEC E 475.06 FT TO POB CONT S 01 DEG 14 MIN 10 SEC E 134.49 FT N 61 DEG 21 MIN 50 SEC E 170.47 FT TO PT ON CURVE NWLY ALONG CURVE A CHORD DISTANCE OF 53
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	2000
Census Tract	14001

Owner

Source: Polk County records · APN 26-28-36-663000-000808

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	Individual Name on File
Mailing Address	177 LAGOON RD, WINTER HAVEN, FL 33884-2564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 12, 2015 · Amount on Record
Deed Sale	Jan 12, 2015 · Amount on Record
Prior Sale	Aug 13, 2014 · Amount on Record
Deed Document Number	20155897
Deed Book / Page	9427 / 2150
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	177 LAGOON RD, WINTER HAVEN, FL 33884-2564
Document Number	0109492242
Instrument Date	Aug 09, 2019
Transaction Type	Mortgage
Record Updated	Sep 05, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	177 LAGOON RD WINTER HAVEN FL 338842564, WINTER HAVEN, FL 33884-2564

Mortgage

Document Number	0109492242
Date	Aug 22, 2019
Book Page	010949/002242
Instrument	178215

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2049

Interest

Rate Type	Adjustable Rate

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	$1,668.00 (-18.55%) Homeowner's exemption	$169,268 (+5.99%)	$270,412 (-1.6%) Land $53,715 Building $216,697
2023	$2,048.00 (+3.59%) Homeowner's exemption	$159,707 (+3%)	$274,818 (+10.99%) Land $52,037 Building $222,781
2022	$1,977.00 Homeowner's exemption	$155,055	$247,616 Land $43,644 Building $203,972

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 100 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 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.08% 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)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 260 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.