35 Enclave Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 35 Enclave Dr, Winter Haven, FL 33884

Property Summary

Property Type	Townhouse
Details	4 bd · 3 ba · 2,070 sqft · built 1997
Lot Size	0.051 acres (2,217 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (May 2026)
Tax Bill	$1,236 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-28-31-850502-000350`

Property Details

APN / Parcel Number

Primary APN	`27-28-31-850502-000350`
Alternative APNs	`312827850502000350` `12827000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,070 sqft Living Area
Gross Area	2,511 sqft
1st Floor Area	1,294 sqft
Upper Floors Area	776 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	2,217 sqft (0.051 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Screened/Unfinished Porch
Porch Area	232 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	35 ENCLAVE DR
City	WINTER HAVEN
State	FL
Zip	33884-1327
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	CYPRESSWOOD ENCLAVE PHASE TWO PB 105 PG 1 LOT 35
Legal Range	27E
Legal Township	28S
Legal Section	31
Legal Subdivision	CYPRESSWOOD ENCLAVE PHASE TWO
Legal Phase	2
Legal Tract	850502
Legal Block	2
Legal Lot Number	35
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	2
Census Block	2064
Census Tract	14123

Owner

Source: Polk County records, as of September 28, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	35 ENCLAVE DR, WINTER HAVEN, FL 33884-1327
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2026 · Amount on Record
Deed Sale	May 26, 2026 · Amount on Record
Prior Sale	Aug 15, 2005 · Amount on Record
Deed Document Number	2026123568
Deed Book / Page	14010 / 687
Prior Transfer Date	Jun 24, 2008
Prior Transfer Doc	0000110370
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 26, 2026
Property Address	35 ENCLAVE DR, WINTER HAVEN, FL 33884-1327
Document Number	0000123568
Book / Page	14010 / 687
Instrument Date	May 20, 2026
Instrument	2026123568
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	REAL ESTATE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 ENCLAVE DR, WINTER HAVEN, FL 33884-1327

Mortgage

Document Number	0000123569,
Date	May 26, 2026
Instrument	2026123569

Lender

Name	LOWER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$228,000 (+61.88%) Land $100 Building $227,900	$228,000 (-1.94%) Land $100 Building $227,900
2025	$1,236.00 (-31.71%) Homeowner's exemption Widower's exemption	$140,848 (+5.99%)	$232,500 (-6.06%) Land $100 Building $232,400
2024	$1,810.00 (+121.27%)
2023	$818.00 (+0.99%) Homeowner's exemption	$132,892 (+3%)	$247,500 (+14.85%) Land $100 Building $247,400
2022	$810.00 Homeowner's exemption	$129,021	$215,500 Land $100 Building $215,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 105 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	105 in force
Nearby Flood Claims	3 (2017–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2022 · Hurricane Ian

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000