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2132 Cartgate Ln, Winter Haven, FL 33884 Property Records

Polk County property record for 2132 Cartgate Ln, Winter Haven, FL 33884 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,217 sqft · built 2024
Lot Size0.126 acres (5,502 sqft)
OwnerIndividual Name on File
Last Sale$314,100 (Feb 2024)
Tax Bill$5,106 (2025)
Deeds & MortgagesFeb 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-23-690585-001070

Property Details

APN / Parcel Number

Primary APN26-29-23-690585-001070
Alternative APN
  • 232926690585001070

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,217 sqft Living Area
Gross Area2,657 sqft
1st Floor Area2,217 sqft

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area5,502 sqft (0.126 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area440 sqft
PorchUnfinished Open Porch
Porch Area183 sqft

Location & Zoning

Street Address2132 CARTGATE LN
CityWINTER HAVEN
StateFL
Zip33884-3470
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionVILLAMAR PHASE 3 PB 186 PG 41-47 LOT 107
Legal Range26E
Legal Township29S
Legal Section23
Legal SubdivisionVILLAMAR PHASE 3
Legal Phase3
Legal Block4
Legal Lot Number107
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4029
Census Tract14501

Owner

Source: Polk County records · APN 26-29-23-690585-001070

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address2132 CARTGATE LN, WINTER HAVEN, FL 33884-3470
OccupancyOwner Occupied
Owner TypeIndividual
VestingUnmarried Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 28, 2024 · Amount on Record
Deed SaleFeb 28, 2024 · Amount on Record
Deed Document Number202446161
Deed Book / Page13021 / 616
Record UpdatedSep 20, 2026

February 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateFeb 28, 2024
Property Address2132 CARTGATE LN, WINTER HAVEN, FL 33884-3470
Document Number0000046161
Book / Page13021 / 616
Map ReferenceMB 186 PG 41
Instrument DateFeb 22, 2024
Instrument2024046161
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 13, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,198.70
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5060 LUNN RD, LAKELAND, FL 33811-2619

Transferred To (Grantee/Buyer)

NameVerified Name
Address2132 CARTGATE LN, WINTER HAVEN, FL 33884-3470

Mortgage

Document Number0013021618
DateFeb 28, 2024
Instrument13021/618
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk 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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,106.00 (+63.92%)$273,108 (+468.98%) Land $50,000 Building $223,108$273,108 (+468.98%) Land $50,000 Building $223,108
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 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050145014, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 97 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies97 in force
Nearby Flood Claims8 (2004–2022)
Claims Outside the SFHA4 of 8
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 2 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

Wildfire

Wildfire RiskHigh
above 79% of the US · above 67% of Florida
Wildfire LikelihoodAbout 1 in 176 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 250 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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