Polk County property record for 197 Lagoon Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,793 sqft · built 1973 |
| Lot Size | 0.195 acres (8,503 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $69,000 (Dec 2014) |
| Tax Bill | $1,174 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-36-663000-000834 |
| Primary APN | 26-28-36-663000-000834 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,793 sqft Living Area |
| Gross Area | 2,313 sqft |
| 1st Floor Area | 1,793 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | Other |
| Lot Area | 8,503 sqft (0.195 acres) |
| Lot Dimensions | 95 ft deep x 90 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Pool House | Pool House |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 72 sqft |
| Utility Building | 80 sqft |
| Cooling System | Central |
|---|
| Street Address | 197 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 HIGHALNDS CO SUB PB 3 PG 27 LOT 8 BEG NE COR OF S1/2 OF NW1/4 OF SE1/4 RUN W 1035 FT S 130 FT TO POB CONT S 105 FT W 31.23 FT TO PT ON CURVE RUN NWLY ALONG CURVE A CHORD DISTANCE OF 61.80 FT N 85.69 E 90 FT TO POB BEING LOT 10 OF UNREC GARDEN GRO |
| 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 |
197 Lagoon Rd is owned and occupied by two individuals who acquired it in March 2017.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 197 LAGOON RD, WINTER HAVEN, FL 33884-2564 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 19, 2014 · Amount on File |
| Deed Sale | Dec 19, 2014 · Amount on File |
| Prior Sale | Jan 15, 2013 · Amount on File |
| Deed Document Number | 2014214696 |
| Deed Book / Page | 9413 / 35 |
| Last Transfer Date | Mar 20, 2017 |
| Transfer Doc | 0000059243 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 197 Lagoon Rd was $1,174 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $134,564 (+2.7%) | $239,866 (-0.77%) Land $34,858 Building $205,008 | |
| 2025 | $1,174.00 Homeowner's exemption | $131,026 | $241,733 Land $34,858 Building $206,875 |
| 2023 | $1,575.00 (+4.17%) Homeowner's exemption | $123,624 (+3%) | $254,322 (+18.3%) Land $34,008 Building $220,314 |
| 2022 | $1,512.00 Homeowner's exemption | $120,023 | $214,978 Land $28,057 Building $186,921 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 197 Lagoon Rd in Zone X, an area of minimal flood risk, within 500 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 500 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 risk around 197 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.
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 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 |
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