4459 Emerald Palms Ln, Winter Haven, FL 33884 Property Records

Polk County property record for 4459 Emerald Palms Ln, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,490 sqft · built 2009
Lot Size	0.43 acres (18,713 sqft)
Owner	Individual Name on Record
Last Sale	$799,000 (Oct 2021)
Tax Bill	$14,088 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-12-687522-000710`

Property Details

APN / Parcel Number

Primary APN	`26-29-12-687522-000710`
Alternative APNs	`122926687522000710` `22926000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,490 sqft Living Area
Gross Area	5,290 sqft
1st Floor Area	3,478 sqft
Upper Floors Area	1,012 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Tile
Lot Area	18,713 sqft (0.43 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	800 sqft
Pool Type	Enclosed Pool
Porch	Screened/Unfinished Porch
Porch Area	1,294 sqft

Location & Zoning

Street Address	4459 EMERALD PALMS LN
City	WINTER HAVEN
State	FL
Zip	33884-3502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD PALMS PB 142 PGS 1-4 LOT 71
Legal Range	26E
Legal Township	29S
Legal Section	12
Legal Subdivision	EMERALD PALMS
Legal Tract	687522
Legal Block	1
Legal Lot Number	71
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1011
Census Tract	14006

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4459 EMERALD PALMS LN, WINTER HAVEN, FL 33884-3502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOME MORTGAGE ALLIANCE CORP
Oct 22, 2021	Warranty Deed, Transfer · Conventional Mortgage SG CAPITAL PARTNERS LLC
Sep 17, 2019	Warranty Deed, Transfer FIFTH THIRD BK
Dec 5, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2021 · Amount on Record
Deed Sale	Oct 22, 2021 · Amount on Record
Prior Sale	Sep 17, 2019 · Amount on Record
Deed Document Number	2021275813
Deed Book / Page	11948 / 2305
Prior Transfer Date	Nov 8, 2017
Prior Transfer Doc	0103320054
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4459 EMERALD PALMS LN, WINTER HAVEN, FL 33884-3502
Transaction Type	Mortgage
Record Updated	Aug 28, 2023
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000182843
Date	Aug 7, 2023
Book Page	12790/279
Instrument	2023182843

Lender

Name	HOME MORTGAGE ALLIANCE CORP
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 22, 2021
Property Address	4459 EMERALD PALMS LN, WINTER HAVEN, FL 33884-3502
Document Number	0000275813
Book / Page	11948 / 2305
Map Reference	MB 142 PG 1-4
Instrument Date	Oct 18, 2021
Instrument	2021275813
Transaction Type	Transfer
Record Updated	Nov 5, 2021
Title Company	GOLDEN RULE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,593.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5503 CASCADE RUN SW, 5503, ATLANTA, GA 30336-4404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4459 EMERALD PALMS LN, WINTER HAVEN, FL 33884-3502

Mortgage

Document Number	0119482286
Date	Oct 22, 2021
Instrument	11948/2286

Lender

Name	SG CAPITAL PARTNERS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 17, 2019
Property Address	4459 EMERALD PALMS LN, WINTER HAVEN, FL 33884-3502
Document Number	0109760899
Book / Page	010976 / 000899
Instrument Date	Sep 13, 2019
Instrument	196921
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	GOLDEN RULE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,515.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4459 EMERALD PALMS LN WINTER HAVEN FL 338843502, WINTER HAVEN, FL 33884-3502

Mortgage

Document Number	109760901
Date	Sep 17, 2019
Book Page	010976/000901
Instrument	196922

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Sep 16, 2039

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Dec 5, 2017
Property Address	4459 EMERALD PALMS LN, WINTER HAVEN, FL 33884-3502
Document Number	0103320054
Book / Page	010332 / 000054
Instrument Date	Nov 8, 2017
Instrument	233395
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4459 EMERALD PALMS LN WINTER HAVEN FL 338843502, WINTER HAVEN, FL 33884-3502

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$782,950 (+5.72%) Land $78,000 Building $704,950	$782,950 (+5.72%) Land $78,000 Building $704,950
2025	$14,088.00 (-1.28%)	$740,609 (-6.93%) Land $78,000 Building $662,609	$740,609 (-6.93%) Land $78,000 Building $662,609
2024	$14,270.00 (-5.73%)
2023	$15,138.00 (+9.51%)	$795,722 (+11.88%) Land $78,000 Building $717,722	$795,722 (+11.88%) Land $78,000 Building $717,722
2022	$13,824.00	$711,247 Land $78,000 Building $633,247	$711,247 Land $78,000 Building $633,247

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 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	5 (2004–2022)
Claims Outside the SFHA	4 of 5
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	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 175 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
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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