Polk County property record for 2052 Ryan Way, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,804 sqft · built 1981 |
| Lot Size | 0.312 acres (13,604 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $312,500 (Jan 2024) |
| Tax Bill | $3,292 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Feb 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-02-663660-000090 |
| Primary APN | 26-29-02-663660-000090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,804 sqft Living Area |
| Gross Area | 2,288 sqft |
| 1st Floor Area | 1,804 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 13,604 sqft (0.312 acres) |
| Lot Dimensions | 140 ft deep x 81 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 132 sqft |
| Street Address | 2052 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 9 |
| 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 | 9 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 14006 |
2052 Ryan Way is owned by two individuals who bought it in January 2024.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 185 LAKE THOMAS DR, WINTER HAVEN, FL 33880-7135 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 30, 2024 | Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 24, 2022 | Deed of Trust, Mortgage · VA Mortgage PRIMELENDING |
| Nov 27, 2018 | Warranty Deed, Transfer · VA Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2024 · Amount on File |
| Deed Sale | Jan 30, 2024 · Amount on File |
| Prior Sale | Nov 27, 2018 · Amount on File |
| Deed Document Number | 202422983 |
| Deed Book / Page | 12989 / 2100 |
| Prior Transfer Date | Nov 13, 2018 |
| Prior Transfer Doc | 0106790465 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 30, 2024 |
| Property Address | 2052 RYAN WAY, WINTER HAVEN, FL 33884-3128 |
| Document Number | 0000022983 |
| Book / Page | 12989 / 2100 |
| Map Reference | MB 70 PG 2 |
| Instrument Date | Jan 29, 2024 |
| Instrument | 2024022983 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,187.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2052 RYAN WAY, WINTER HAVEN, FL 33884-3128 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 185 LAKE THOMAS DR, WAHNETA, FL 33880-7135 |
| Document Number | 0129892102 |
|---|---|
| Date | Jan 30, 2024 |
| Instrument | 12989/2102 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2052 RYAN WAY, WINTER HAVEN, FL 33884-3128 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2052 RYAN WAY, WINTER HAVEN, FL 33884-3128 |
| Document Number | 0000050299 |
|---|---|
| Date | Feb 24, 2022 |
| Book Page | 12131/1705 |
| Instrument | 2022050299 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75252 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 27, 2018 |
| Property Address | 2052 RYAN WAY, WINTER HAVEN, FL 33884-3128 |
| Document Number | 0106790465 |
| Book / Page | 010679 / 000465 |
| Instrument Date | Nov 13, 2018 |
| Instrument | 245282 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,106.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2052 RYAN WAY WINTER HAVEN FL 338843128, WINTER HAVEN, FL 33884-3128 |
| Document Number | 106790467 |
|---|---|
| Date | Nov 27, 2018 |
| Book Page | 010679/000467 |
| Instrument | 245283 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 26, 2048 |
The 2025 property tax bill for 2052 Ryan Way was $3,292, up 52.2% from the year before.
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 | $232,582 (-6.36%) Land $52,000 Building $180,582 | $232,582 (-6.36%) Land $52,000 Building $180,582 | |
| 2025 | $3,292.00 (+52.2%) | $248,389 Land $52,000 Building $196,389 | $248,389 Land $52,000 Building $196,389 |
| 2024 | $2,163.00 (+9.19%) | ||
| 2023 | $1,981.00 (+3.5%) Homeowner's exemption | $151,727 (+3%) | $229,756 (+3.3%) Land $50,000 Building $179,756 |
| 2022 | $1,914.00 Homeowner's exemption | $147,308 | $222,409 Land $42,000 Building $180,409 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 2052 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 2052 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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