Polk County property record for 196 Emanuelle Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,405 sqft · built 2021 |
| Lot Size | 0.126 acres (5,497 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $217,490 (Apr 2021) |
| Tax Bill | $3,105 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-23-690587-000230 |
| Primary APN | 26-29-23-690587-000230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,405 sqft Living Area |
| Gross Area | 1,846 sqft |
| 1st Floor Area | 1,405 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 5,497 sqft (0.126 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Unfinished Open Porch |
| Street Address | 196 EMANUELLE DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3453 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VILLAMAR PHASE 1 PB 176 PGS 50-58 LOT 23 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 23 |
| Legal Subdivision | VILLAMAR PHASE 1 |
| Legal Phase | 1 |
| Legal Block | 4 |
| Legal Lot Number | 23 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4059 |
| Census Tract | 14501 |
Source: Polk County records, as of September 28, 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 Record |
|---|---|
| Mailing Address | 196 EMANUELLE DR, WINTER HAVEN, FL 33884-3453 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 11, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Apr 29, 2021 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2021 · Amount on Record |
| Deed Sale | Apr 29, 2021 · Amount on Record |
| Deed Document Number | 2021111025 |
| Deed Book / Page | 11692 / 2198 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 196 EMANUELLE DR, WINTER HAVEN, FL 33884-3453 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 196 EMANUELLE DR, WINTER HAVEN, FL 33884-3453 |
| Document Number | 0000187979 |
|---|---|
| Date | Aug 11, 2023 |
| Book Page | 12797/595 |
| Instrument | 2023187979 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 333 Months |
| Due | May 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 29, 2021 |
| Property Address | 196 EMANUELLE DR, WINTER HAVEN, FL 33884-3453 |
| Document Number | 0000111025 |
| Book / Page | 11692 / 2198 |
| Map Reference | MB 176 PG 50-58 |
| Instrument Date | Apr 22, 2021 |
| Instrument | 2021111025 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 23, 2023 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,522.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10192 DOWDEN RD, ORLANDO, FL 32832-5128 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 196 EMANUELLE DR, WINTER HAVEN, FL 33884-3453 |
| Document Number | 0116922199 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 11692/2199 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $208,771 (-0.37%) Land $52,000 Building $156,771 | $208,771 (-0.37%) Land $52,000 Building $156,771 | |
| 2025 | $3,105.00 (-43.49%) Homeowner's exemption | $209,538 (-6.76%) Land $52,000 Building $157,538 | $209,538 (-6.76%) Land $52,000 Building $157,538 |
| 2023 | $5,495.00 (-5.94%) Homeowner's exemption | $224,721 (+13.07%) Land $50,000 Building $174,721 | $224,721 (+13.07%) Land $50,000 Building $174,721 |
| 2022 | $5,842.00 | $198,749 Land $42,000 Building $156,749 | $198,749 Land $42,000 Building $156,749 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 ft |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 59% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 473 locations within half a mile, as of December 31, 2025
| 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 |
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