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2045 Ryan Way, Winter Haven, FL 33884 Property Records

Polk County property record for 2045 Ryan Way, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,032 sqft · built 1980
Lot Size0.265 acres (11,552 sqft)
OwnerTrust Name on File
Last Sale$245,000 (Mar 2020)
Tax Bill$3,614 (2025)
Deeds & MortgagesMar 2020 Sale & Mortgage
Jul 2017 Sale
Flood ZoneZone X (minimal risk)
APN26-29-02-663660-000030

Property Details

APN / Parcel Number

Primary APN26-29-02-663660-000030
Alternative APNs
  • 022926663660000030
  • 22926000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,032 sqft Living Area
Gross Area2,607 sqft
1st Floor Area2,032 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1980
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area11,552 sqft (0.265 acres)
Lot Dimensions140 ft deep x 82 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area575 sqft

Exterior Amenities

Pool TypeEnclosed Pool
Pool Area392 sqft
PorchUnfinished Open Porch
Porch Area310 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address2045 RYAN WAY
CityWINTER HAVEN
StateFL
Zip33884-3174
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionWINTERSET NORTH PHASE TWO PB 70 PG 2 LOT 3
Legal Range26E
Legal Township29S
Legal Section02
Legal SubdivisionWINTERSET NORTH PHASE 2
Legal Phase2
Legal Tract663660
Legal Block2
Legal Lot Number3
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2032
Census Tract14006

Owner

2045 Ryan Way is owner-occupied and held in a trust since March 2020.

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

Owner of RecordTrust Name on File
Mailing Address2045 RYAN WAY, WINTER HAVEN, FL 33884-3174
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Living Trust

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

DateDocument
Mar 12, 2020Warranty Deed, Transfer · Conventional Mortgage
LANDMARK MORTGAGE & ASSOCIATES INC
Jul 13, 2017Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 12, 2020 · Amount on File
Deed SaleMar 12, 2020 · Amount on File
Prior SaleJul 1, 2017 · Amount on File
Deed Document Number202057186
Deed Book / Page11173 / 516
Record UpdatedOct 29, 2026

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMar 12, 2020
Property Address2045 RYAN WAY, WINTER HAVEN, FL 33884-3174
Document Number0111730516
Book / Page011173 / 000516
Instrument DateMar 9, 2020
Instrument57186
Transaction TypeTransfer
Record UpdatedApr 16, 2020
Title CompanySMART TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,715.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address2045 RYAN WAY WINTER HAVEN FL 338843174, WINTER HAVEN, FL 33884-3174

Mortgage

Document Number111730518
DateMar 12, 2020
Book Page011173/000518
Instrument57187
Lender
NameLANDMARK MORTGAGE & ASSOCIATES INC
TypeBank
AddressLAKELAND, FL 33801
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMar 11, 2050

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJul 13, 2017
Property Address2045 RYAN WAY, WINTER HAVEN, FL 33884-3174
Document Number0102031466
Book / Page010203 / 001466
Instrument DateJul 12, 2017
Instrument133622
Transaction TypeTransfer
Record UpdatedJul 27, 2017
Title CompanyATTORNEY ONLY

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1750 SAINT JULIAN ST SUWANEE GA 30024, SUWANEE, GA 30024

Tax Assessment & Valuation

The 2025 property tax bill for 2045 Ryan Way was $3,614.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$265,272 (-2.73%) Land $52,000 Building $213,272$265,272 (-2.73%) Land $52,000 Building $213,272
2025$3,614.00$272,714 Land $52,000 Building $220,714$272,714 Land $52,000 Building $220,714
2023$3,839.00 (+5.61%)$270,030 (+3.51%) Land $50,000 Building $220,030$270,030 (+3.51%) Land $50,000 Building $220,030
2022$3,635.00$260,881 Land $42,000 Building $218,881$260,881 Land $42,000 Building $218,881

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

Flood

FEMA maps place 2045 Ryan Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 12 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies12 in force

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 2045 Ryan Way is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 105 locations within half a mile, as of December 31, 2025

ProviderMax 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
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

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