Polk County property record for 2136 Cartgate Ln, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2024 |
| Square Footage | 2,217 sqft Living Area |
| Lot Size | 6,517 sqft (0.15 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $358,100 (2024) |
| Tax Bill | $3,205.00 (2025) |
| Primary APN | 26-29-23-690585-001080 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,217 sqft Living Area |
| Gross Area | 2,657 sqft Gross Area |
| 1st Floor | 2,217 sqft 1st Floor |
| Stories | 1 Stories |
| 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 | 6,517 sqft (0.15 acres) |
| Garage Type | Attached Garage |
| Garage Area | 440 sqft Garage |
| Porch Area | 183 sqft Porch |
| Street Address | 2136 CARTGATE LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3471 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | VILLAMAR PHASE 3 PB 186 PG 41-47 LOT 108 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 23 |
| Legal Subdivision | VILLAMAR PHASE 3 |
| Legal Phase | 3 |
| Legal Block | 4 |
| Legal Lot Number | 108 |
| Jurisdiction | POLK FL |
| Minor Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Blockgroup | 4 |
| Census Block | 4029 |
| Census Tract | 14501 |
Source: Polk County records · APN 26-29-23-690585-001080
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 | 2136 CARTGATE LN, WINTER HAVEN, FL 33884-3471 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 29, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage NEW AMERICAN FUNDING |
| Dec 05, 2024 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage SECURITY NATIONAL MORTGAGE CO |
| Jun 17, 2024 | Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 05, 2024 · Amount on Record |
| Deed Sale | Dec 05, 2024 · Amount on Record |
| Deed Doc Number | 2024275805 |
| Deed Book / Page | 13357 / 155 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2136 CARTGATE LN, WINTER HAVEN, FL 33884-3471 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 2138 CARTGATE LN, WINTER HAVEN, FL 33884 |
| Document Number | 0000255591 |
|---|---|
| Date | Oct 29, 2025 |
| Book Page | 13757/623 |
| Instrument | 2025255591 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 05, 2024 |
| Property Address | 2136 CARTGATE LN, WINTER HAVEN, FL 33884-3471 |
| Document Number | 0000275805 |
| Book / Page | 13357 / 155 |
| Map Reference | MB 186 PG 41 |
| Instrument Date | Nov 21, 2024 |
| Instrument | 2024275805 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | SUN REALTY TITLE, SUNBELT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,506.70 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 41050 W 11 MILE RD STE 220, 220, NOVI, MI 48375-1982 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 2136 CARTGATE LN, WINTER HAVEN, FL 33884-3471 |
| Document Number | 0013357157 |
|---|---|
| Date | Dec 05, 2024 |
| Instrument | 13357/157 |
| Name | SECURITY NATIONAL MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 17, 2024 |
| Property Address | 2136 CARTGATE LN, WINTER HAVEN, FL 33884-3471 |
| Document Number | 0000139339 |
| Book / Page | 13156 / 162 |
| Map Reference | MB 186 PG 41 |
| Instrument Date | Jun 13, 2024 |
| Instrument | 2024139339 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,452.80 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5060 LUNN RD, LAKELAND, FL 33811-2619 |
| Name | Verified Name |
|---|---|
| Address | 41050 W 11 MILE RD, NOVI, MI 48375-1981 |
| Investor | Possibly a Property Investor |
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 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 | $3,205.00 (+0.75%) | $214,862 (+329.72%) | $275,108 (+450.22%) Land $52,000 Building $223,108 |
| 2024 | $3,181.00 (+0.92%) | ||
| 2023 | $3,152.00 (+4.82%) | $50,000 (+19.05%) Land $50,000 | $50,000 (+19.05%) Land $50,000 |
| 2022 | $3,007.00 | $42,000 Land $42,000 | $42,000 Land $42,000 |
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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