Polk County property record for 2108 Cartgate Ln, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,961 sqft · built 2023 |
| Lot Size | 0.126 acres (5,502 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100 (Dec 2023) |
| Tax Bill | $3,976 (2025) |
| Deeds & Mortgages | Dec 2023 Sale Dec 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-23-690585-001010 |
| Primary APN | 26-29-23-690585-001010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,961 sqft Living Area |
| Gross Area | 2,381 sqft |
| 1st Floor Area | 1,961 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 5,502 sqft (0.126 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 214 sqft |
| Street Address | 2108 CARTGATE LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3470 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VILLAMAR PHASE 3 PB 186 PG 41-47 LOT 101 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 23 |
| Legal Subdivision | VILLAMAR PHASE 3 |
| Legal Phase | 3 |
| Legal Block | 4 |
| Legal Lot Number | 101 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4029 |
| Census Tract | 14501 |
Source: Polk County records · APN 26-29-23-690585-001010
Assessment roll updated June 23, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 2108 CARTGATE LN, WINTER HAVEN, FL 33884-3470 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Dec 29, 2023 | Special Warranty Deed, Subdivision Related Transfer ATTORNEY ONLY, ATTORNEY |
| Dec 28, 2023 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 29, 2023 · Amount on Record |
| Deed Sale | Dec 29, 2023 · Amount on Record |
| Prior Sale | Dec 28, 2023 · Amount on Record |
| Deed Document Number | 2023303220 |
| Deed Book / Page | 12957 / 1198 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 29, 2023 |
| Property Address | 2108 CARTGATE LN, WINTER HAVEN, FL 33884-3470 |
| Document Number | 0000303220 |
| Book / Page | 12957 / 1198 |
| Map Reference | MB 186 PG 41 |
| Instrument Date | Dec 28, 2023 |
| Instrument | 2023303220 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 18, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5060 LUNN RD, LAKELAND, FL 33811-2619 |
| Name | Verified Name |
|---|---|
| Address | 2108 CARTGATE LN, WINTER HAVEN, FL 33884-3470 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 28, 2023 |
| Property Address | 2108 CARTGATE LN, WINTER HAVEN, FL 33884-3470 |
| Document Number | 0000301506 |
| Book / Page | 12954 / 1588 |
| Map Reference | MB 186 PG 41 |
| Instrument Date | Dec 22, 2023 |
| Instrument | 2023301506 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 18, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,256.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5060 LUNN RD, LAKELAND, FL 33811-2619 |
| Name | Verified Name |
|---|---|
| Address | 2108 CARTGATE LN, WINTER HAVEN, FL 33884-3470 |
| Document Number | 0129541590 |
|---|---|
| Date | Dec 28, 2023 |
| Instrument | 12954/1590 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2054 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,976.00 (+27.64%) | $256,111 (+433.56%) Land $50,000 Building $206,111 | $256,111 (+433.56%) Land $50,000 Building $206,111 |
| 2023 | $3,115.00 (+4.92%) | $48,000 (+2%) Land $48,000 | $48,000 (+2%) Land $48,000 |
| 2022 | $2,969.00 | $40,000 Land $40,000 | $40,000 Land $40,000 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | High above 79% of the US · above 67% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 176 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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