2016 Carnostie Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 2016 Carnostie Rd, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,851 sqft · built 2022
Lot Size	0.15 acres (6,512 sqft)
Owner	2 Individual Names on Record
Last Sale	$328,490 (Sep 2022)
Tax Bill	$4,583 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-23-690585-002730`

Property Details

APN / Parcel Number

Primary APN	`26-29-23-690585-002730`
Alternative APN	`232926690585002730`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,851 sqft Living Area
Gross Area	2,292 sqft
1st Floor Area	1,851 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,512 sqft (0.15 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch
Porch Area	104 sqft

Location & Zoning

Street Address	2016 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 273
Legal Range	26E
Legal Township	29S
Legal Section	23
Legal Subdivision	VILLAMAR PHASE 3
Legal Phase	3
Legal Block	4
Legal Lot Number	273
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4029
Census Tract	14501

Owner

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	7 HICKORY OAK LANE, WHEATLEY, ON N0P 2
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2022 · Amount on Record
Deed Sale	Sep 19, 2022 · Amount on Record
Deed Document Number	2022253614
Deed Book / Page	12424 / 911
Record Updated	Oct 29, 2026

September 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 19, 2022
Property Address	2016 CARNOSTIE RD, WINTER HAVEN, FL 33884-3468
Document Number	0000253614
Book / Page	12424 / 911
Map Reference	MB 186 PG 41-47
Instrument Date	Sep 13, 2022
Instrument	2022253614
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2024
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,299.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10192 DOWDEN RD, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 HICKORY OAK LANE, WHEATLEY XX

Mortgage

Document Number	0012424912
Date	Sep 19, 2022
Instrument	12424/912

Lender

Name	RBC BANK USA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Oct 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.87%
Index	Other
Margin	3
Max Rate	9.87%

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 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
2026		$246,138 (+0.4%) Land $52,000 Building $194,138	$246,138 (+0.4%) Land $52,000 Building $194,138
2025	$4,583.00 (-32.8%)	$245,150 (-7.27%) Land $52,000 Building $193,150	$245,150 (-7.27%) Land $52,000 Building $193,150
2024	$6,820.00 (-3.86%)
2023	$7,094.00 (+144.62%)	$264,362 (+529.43%) Land $50,000 Building $214,362	$264,362 (+529.43%) Land $50,000 Building $214,362
2022	$2,900.00	$42,000 Land $42,000	$42,000 Land $42,000

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
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	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 77% of the US · above 65% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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 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