1908 Carnostie Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 1908 Carnostie Rd, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,746 sqft · built 2022
Lot Size	0.122 acres (5,310 sqft)
Owner	Individual Name on File
Last Sale	$290,800 (Aug 2022)
Tax Bill	$4,062 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-23-690585-000550`

Property Details

APN / Parcel Number

Primary APN	`26-29-23-690585-000550`
Alternative APN	`232926690585000550`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,746 sqft Living Area
Gross Area	2,208 sqft
1st Floor Area	642 sqft
Upper Floors Area	1,104 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	5,310 sqft (0.122 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished/Open Porch
Porch Area	48 sqft

Location & Zoning

Street Address	1908 CARNOSTIE RD
City	WINTER HAVEN
State	FL
Zip	33884-3466
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAMAR PHASE 3 PB 186 PG 41-47 LOT 55
Legal Range	26E
Legal Township	29S
Legal Section	23
Legal Subdivision	VILLAMAR PHASE 3
Legal Phase	3
Legal Block	4
Legal Lot Number	55
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, as of July 23, 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	1908 CARNOSTIE RD, WINTER HAVEN, FL 33884-3466
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 8, 2022 · Amount on Record
Deed Sale	Aug 8, 2022 · Amount on Record
Deed Document Number	2022215037
Deed Book / Page	12370 / 2176
Record Updated	Sep 20, 2026

August 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 8, 2022
Property Address	1908 CARNOSTIE RD, WINTER HAVEN, FL 33884-3466
Document Number	0000215037
Book / Page	12370 / 2176
Map Reference	MB 186 PG 41-47
Instrument Date	Aug 5, 2022
Instrument	2022215037
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2024
Title Company	CAREFREE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,035.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5337 MILLENIA LAKES BLVD STE 410, 410, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 CAMOSTIE ROAD, WINTER HAVEN, FL 33884

Mortgage

Document Number	0000215038
Date	Aug 8, 2022
Book Page	12370/2179
Instrument	2022215038

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

Source: Polk County assessment roll, as of July 23, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,062.00 (-37.94%)	$217,253 (-5.38%) Land $48,000 Building $169,253	$217,253 (-5.38%) Land $48,000 Building $169,253
2023	$6,545.00 (+123.84%)	$229,611 (+504.24%) Land $46,000 Building $183,611	$229,611 (+504.24%) Land $46,000 Building $183,611
2022	$2,924.00	$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 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

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 Risk	High above 75% of the US · above 60% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation at the parcel

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 124 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 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20