2115 Cartgate Ln, Winter Haven, FL 33884 Property Records

Polk County property record for 2115 Cartgate Ln, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2024
Square Footage	1,830 sqft Living Area
Lot Size	5,502 sqft (0.126 acres)
Occupancy	Owner Occupied
Last Sale	$321,700 (2025)
Tax Bill	$4,526.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`26-29-23-690585-000970`
Alternative APN	`232926690585000970`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,830 sqft Living Area
Gross Area	2,230 sqft Gross Area
1st Floor	1,830 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Wood Flooring

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Stucco Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Hip Roof Construction
Roof Material	Other (not Classified) Roof
Lot Area	5,502 sqft (0.126 acres)
Garage Type	Attached Garage
Garage Area	400 sqft Garage
Porch Area	174 sqft Porch

Location & Zoning

Street Address	2115 CARTGATE LN
City	WINTER HAVEN
State	FL
Zip	33884-3470
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	VILLAMAR PHASE 3 PB 186 PG 41-47 LOT 97
Legal Range	26E
Legal Township	29S
Legal Section	23
Legal Subdivision	VILLAMAR PHASE 3
Legal Phase	3
Legal Block	4
Legal Lot Number	97
Jurisdiction	POLK FL
Minor Civil Division	WINTER HAVEN-AUBURNDALE
Census Blockgroup	4
Census Block	4029
Census Tract	14501

Owner

Source: Polk County records · APN 26-29-23-690585-000970

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	2115 CARTGATE LN, WINTER HAVEN, FL 33884-3470
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 16, 2025 · Amount on Record
Deed Sale	Apr 16, 2025 · Amount on Record
Deed Doc Number	202588893
Deed Book / Page	13511 / 1540
Record Refreshed	Sep 20, 2026

April 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 16, 2025
Property Address	2115 CARTGATE LN, WINTER HAVEN, FL 33884-3470
Document Number	0000088893
Book / Page	13511 / 1540
Map Reference	MB 186 PG 41
Instrument Date	Apr 15, 2025
Instrument	2025088893
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 13, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,251.90
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5060 LUNN RD, LAKELAND, FL 33811-2619

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	2115 CARTGATE LN, WINTER HAVEN, FL 33884-3470

Mortgage

Document Number	0135111542
Date	Apr 16, 2025
Instrument	13511/1542

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2055

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,526.00 (+45.3%)	$242,069 (+404.31%) Land $50,000 Building $192,069	$242,069 (+404.31%) Land $50,000 Building $192,069
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

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

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.