Polk County property record for 2008 Carnostie Rd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,505 sqft · built 2023 |
| Lot Size | 0.126 acres (5,502 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $363,990 (Jan 2023) |
| Tax Bill | $4,240 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Jan 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-23-690585-002710 |
| Primary APN | 26-29-23-690585-002710 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,505 sqft Living Area |
| Gross Area | 2,946 sqft |
| 1st Floor Area | 1,032 sqft |
| Upper Floors Area | 1,473 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 5,502 sqft (0.126 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 35 sqft |
| Street Address | 2008 CARNOSTIE RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3468 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VILLAMAR PHASE 3 PB 186 PG 41-47 LOT 271 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 23 |
| Legal Subdivision | VILLAMAR PHASE 3 |
| Legal Phase | 3 |
| Legal Block | 4 |
| Legal Lot Number | 271 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4029 |
| 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 | 2008 CARNOSTIE RD, WINTER HAVEN, FL 33884-3468 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 9, 2025 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 24, 2023 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 24, 2023 · Amount on Record |
| Deed Sale | Jan 24, 2023 · Amount on Record |
| Deed Document Number | 202317843 |
| Deed Book / Page | 12560 / 189 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2008 CARNOSTIE RD, WINTER HAVEN, FL 33884-3468 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2008 CARNOSTIE RD, WINTER HAVEN, FL 33884-3468 |
| Document Number | 0000237074 |
|---|---|
| Date | Oct 9, 2025 |
| Book Page | 13730/117 |
| Instrument | 2025237074 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 328 Months |
| Due | Feb 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 24, 2023 |
| Property Address | 2008 CARNOSTIE RD, WINTER HAVEN, FL 33884-3468 |
| Document Number | 0000017843 |
| Book / Page | 12560 / 189 |
| Map Reference | MB 186 PG 41-47 |
| Instrument Date | Jan 20, 2023 |
| Instrument | 2023017843 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 5, 2024 |
| 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 | $2,548.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7835 OSCEOLA POLK LINE RD, DAVENPORT, FL 33896-9100 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 2008 CARNOSTIE RD, WINTER HAVEN, FL 33884-3468 |
| Document Number | 0012560190 |
|---|---|
| Date | Jan 24, 2023 |
| Instrument | 12560/190 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2053 |
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 | $273,401 (+1.18%) Land $50,000 Building $223,401 | $273,401 (+1.18%) Land $50,000 Building $223,401 | |
| 2025 | $4,240.00 (+43.58%) Homeowner's exemption | $270,216 (+462.95%) Land $50,000 Building $220,216 | $270,216 (+462.95%) Land $50,000 Building $220,216 |
| 2023 | $2,953.00 (+3.18%) | $48,000 (+2%) Land $48,000 | $48,000 (+2%) Land $48,000 |
| 2022 | $2,862.00 | $40,000 Land $40,000 | $40,000 Land $40,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 78% of the US · above 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% 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 250 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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