Polk County property record for 2048 Ryan Way, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,724 sqft · built 1985 |
| Lot Size | 0.266 acres (11,565 sqft) |
| Owner | Individual Name on File |
| Last Sale | $92,000 (May 1997) |
| Tax Bill | $1,094 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-02-663660-000110 |
| Primary APN | 26-29-02-663660-000110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,724 sqft Living Area |
| Gross Area | 2,207 sqft |
| 1st Floor Area | 1,724 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 11,565 sqft (0.266 acres) |
| Lot Dimensions | 141 ft deep x 82 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 21 sqft |
| Street Address | 2048 RYAN WAY |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | WINTERSET NORTH PHASE TWO PB 70 PG 2 LOT 11 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 02 |
| Legal Subdivision | WINTERSET NORTH PHASE 2 |
| Legal Phase | 2 |
| Legal Tract | 663660 |
| Legal Block | 2 |
| Legal Lot Number | 11 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 14006 |
2048 Ryan Way is owned and occupied by an individual who bought it in May 1997.
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2048 RYAN WAY, WINTER HAVEN, FL 33884-3128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 1997 · Amount on File |
| Deed Sale | May 28, 1997 · Amount on File |
| Deed Book / Page | 3846 / 1430 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 2048 Ryan Way was $1,094 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 | $131,503 (+2.7%) | $235,649 (+0.09%) Land $52,000 Building $183,649 | |
| 2025 | $1,094.00 Homeowner's exemption | $128,046 | $235,433 Land $52,000 Building $183,433 |
| 2023 | $1,497.00 (+0.07%) Homeowner's exemption | $120,813 (+3%) | $235,108 (+2.8%) Land $50,000 Building $185,108 |
| 2022 | $1,496.00 Homeowner's exemption | $117,294 | $228,711 Land $42,000 Building $186,711 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2048 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 12 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 risk around 2048 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 Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 105 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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