20 Enclave Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 20 Enclave Dr, Winter Haven, FL 33884

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,526 sqft · built 1995
Lot Size	0.051 acres (2,217 sqft)
Owner	2 Individual Names on File
Last Sale	$55,000 (Jan 1997)
Tax Bill	$2,469 (2025)
Deeds & Mortgages	Sep 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`27-28-31-850501-000200`

Property Details

APN / Parcel Number

Primary APN	`27-28-31-850501-000200`
Alternative APNs	`312827850501000200` `12827000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,526 sqft Living Area
Gross Area	2,117 sqft
1st Floor Area	1,526 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	2,217 sqft (0.051 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Florida Room
Porch Area	182 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	20 ENCLAVE DR
City	WINTER HAVEN
State	FL
Zip	33884-1326
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	CYPRESSWOOD ENCLAVE PHASE ONE PB 100 PGS 13 & 14 LOT 20
Legal Range	27E
Legal Township	28S
Legal Section	31
Legal Subdivision	CYPRESSWOOD ENCLAVE PHASE ONE
Legal Phase	1
Legal Tract	850501
Legal Block	2
Legal Lot Number	20
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	2
Census Block	2064
Census Tract	14123

Owner

20 Enclave Dr, a townhouse, is owned by two individuals who bought it in January 1997.

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

Owner of Record	2 Individual Names on File
Mailing Address	12487 SALT BARN RD, LAUREL, DE 19956-3337
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 1997 · Amount on File
Deed Sale	Jan 15, 1997 · Amount on File
Prior Sale	Feb 7, 1996 · Amount on File
Deed Book / Page	3783 / 484
Transfer Doc	4517001464
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Sep 16, 2020
Property Address	20 ENCLAVE DR, WINTER HAVEN, FL 33884-1326
Document Number	0113761478
Book / Page	011376 / 001478
Instrument Date	Sep 2, 2020
Instrument	192520
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12487 SALT BARN RD LAUREL DE 199563337, LAUREL, DE 19956-3337

Tax Assessment & Valuation

The 2025 property tax bill for 20 Enclave Dr was $2,469, down 22.7% from the year before.

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		$188,800 (-1.15%) Land $100 Building $188,700	$188,800 (-1.15%) Land $100 Building $188,700
2025	$2,469.00 (-22.72%)	$191,000 Land $100 Building $190,900	$191,000 Land $100 Building $190,900
2024	$3,195.00 (+11.13%)
2023	$2,875.00 (+9.9%)	$187,500 (+14.68%) Land $100 Building $187,400	$187,500 (+14.68%) Land $100 Building $187,400
2022	$2,616.00	$163,500 Land $100 Building $163,400	$163,500 Land $100 Building $163,400

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

Flood

FEMA maps place 20 Enclave Dr 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 105 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	105 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 20 Enclave Dr is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 233 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