181 Lagoon Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 181 Lagoon Rd, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,786 sqft · built 1973
Lot Size	0.333 acres (14,523 sqft)
Owner	Individual Name on File
Last Sale	$25,000 (Apr 2005)
Tax Bill	$1,022 (2025)
Deeds & Mortgages	Apr 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-36-663000-000815`

Property Details

APN / Parcel Number

Primary APN	`26-28-36-663000-000815`
Alternative APNs	`362826663000000815` `62826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,786 sqft Living Area
Gross Area	2,306 sqft
1st Floor Area	1,786 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
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Metal
Lot Area	14,523 sqft (0.333 acres)
Lot Dimensions	159 ft deep x 90 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	238 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	181 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 OF SEC RUN S 01 DEG 14 MIN 10 SEC E 385.06 FT TO POB CONT S 01 DEG 14 MIN 10 SEC E 90.01 FT E 146.78 FT TO PT ON CURVE NELY ALONG CURVE A CHORD DISTANCE OF 33.92 FT N 60.77 FT
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

181 Lagoon Rd is owned and occupied by an individual who bought it in April 2005.

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	181 LAGOON RD, WINTER HAVEN, FL 33884-2564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2005 · Amount on File
Deed Sale	Apr 12, 2005 · Amount on File
Deed Document Number	200581612
Deed Book / Page	6159 / 302
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	181 LAGOON RD, WINTER HAVEN, FL 33884-2564
Transaction Type	Mortgage
Record Updated	Apr 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 LAGOON RD, WINTER HAVEN, FL 33884-2564

Mortgage

Document Number	0000077713
Date	Apr 5, 2024
Book Page	13066/210
Instrument	2024077713

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 181 Lagoon Rd was $1,022 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$122,501 (+2.7%)	$291,660 (+4.66%) Land $63,360 Building $228,300
2025	$1,022.00 Homeowner's exemption	$119,280	$278,684 Land $63,360 Building $215,324
2023	$1,445.00 (+4.48%) Homeowner's exemption	$112,542 (+3%)	$284,217 (+12.06%) Land $61,380 Building $222,837
2022	$1,383.00 Homeowner's exemption	$109,264	$253,640 Land $51,480 Building $202,160

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

Flood

FEMA maps place 181 Lagoon Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

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 File 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

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

Wildfire risk around 181 Lagoon Rd is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct 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 System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992
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, 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

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