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2049 Ryan Way, Winter Haven, FL 33884 Property Records

Polk County property record for 2049 Ryan Way, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,424 sqft · built 1983
Lot Size0.265 acres (11,556 sqft)
Owner2 Individual Names on File
Last Sale$355,000 (Nov 2021)
Tax Bill$3,612 (2025)
Deeds & MortgagesNov 2021 Sale & Mortgage
Apr 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-02-663660-000050

Property Details

APN / Parcel Number

Primary APN26-29-02-663660-000050
Alternative APNs
  • 022926663660000050
  • 22926000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,424 sqft Living Area
Gross Area2,944 sqft
1st Floor Area2,424 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 2012
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area11,556 sqft (0.265 acres)
Lot Dimensions140 ft deep x 82 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area520 sqft

Exterior Amenities

Pool TypeEnclosed Pool
Pool Area392 sqft
PorchPorch
Porch Area324 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address2049 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 5
Legal Range26E
Legal Township29S
Legal Section02
Legal SubdivisionWINTERSET NORTH PHASE 2
Legal Phase2
Legal Tract663660
Legal Block2
Legal Lot Number5
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2032
Census Tract14006

Owner

2049 Ryan Way is owned and occupied by two individuals who bought it in November 2021.

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

Owner of Record2 Individual Names on File
Mailing Address2049 RYAN WAY, WINTER HAVEN, FL 33884-3174
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

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
Nov 16, 2021Warranty Deed, Transfer · Conventional Mortgage
FBC MORTGAGE LLC
Apr 1, 2020Warranty Deed, Transfer · Conventional Mortgage
CALIBER HM LOANS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 16, 2021 · Amount on File
Deed SaleNov 16, 2021 · Amount on File
Prior SaleOct 23, 1996 · Amount on File
Deed Document Number2021299927
Deed Book / Page11986 / 309
Record UpdatedOct 29, 2026

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateNov 16, 2021
Property Address2049 RYAN WAY, WINTER HAVEN, FL 33884-3174
Document Number0000299927
Book / Page11986 / 309
Map ReferenceMB 70 PG 2
Instrument DateNov 12, 2021
Instrument2021299927
Transaction TypeTransfer
Record UpdatedNov 30, 2021
Title CompanySWAN CITY TITLE CO LLC, SWAN CITY TITLE COMPANY LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,485.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address254 ROSA ROJO, 254, WINTER HAVEN, FL 33884-3646

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address2049 RYAN WAY, WINTER HAVEN, FL 33884-3174
InvestorPossibly a Property Investor

Mortgage

Document Number0011986311
DateNov 16, 2021
Instrument11986/311
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2051

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateApr 1, 2020
Property Address2049 RYAN WAY, WINTER HAVEN, FL 33884-3174
Document Number0111931112
Book / Page011193 / 001112
Instrument DateMar 25, 2020
Instrument70871
Transaction TypeTransfer
Record UpdatedMay 5, 2020
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,785.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2049 RYAN WAY WINTER HAVEN FL 338843174, WINTER HAVEN, FL 33884-3174

Mortgage

Document Number111931114
DateApr 1, 2020
Book Page011193/001114
Instrument70872
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMar 31, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2049 Ryan Way was $3,612 with a homeowner's exemption.

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$299,498 (-4.31%) Land $52,000 Building $247,498$299,498 (-4.31%) Land $52,000 Building $247,498
2025$3,612.00 Homeowner's exemption$312,978 Land $52,000 Building $260,978$312,978 Land $52,000 Building $260,978
2023$4,168.00 (-0.07%) Homeowner's exemption$313,818 (+0.55%) Land $50,000 Building $263,818$313,818 (+0.55%) Land $50,000 Building $263,818
2022$4,171.00 Homeowner's exemption$312,086 Land $42,000 Building $270,086$312,086 Land $42,000 Building $270,086

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

Flood

FEMA maps place 2049 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 2049 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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