Polk County property record for 45 Enclave Dr, Winter Haven, FL 33884
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2 ba · 1,682 sqft · built 1999 |
| Lot Size | 0.051 acres (2,217 sqft) |
| Owner | Individual Name on File |
| Last Sale | $238,000 (Mar 2022) |
| Tax Bill | $2,440 (2025) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Oct 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-28-31-850502-000450 |
| Primary APN | 27-28-31-850502-000450 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,682 sqft Living Area |
| Gross Area | 2,123 sqft |
| 1st Floor Area | 1,682 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| 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 | 26 sqft |
| Street Address | 45 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 45 |
| 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 | 45 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 2 |
| Census Block | 2064 |
| Census Tract | 14123 |
45 Enclave Dr, a townhouse, is owned and occupied by an individual who bought it in March 2022.
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 File |
|---|---|
| Mailing Address | 45 ENCLAVE DR, WINTER HAVEN, FL 33884-1327 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 21, 2022 | Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Oct 13, 2017 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Oct 13, 2017 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 21, 2022 · Amount on File |
| Deed Sale | Mar 21, 2022 · Amount on File |
| Prior Sale | Aug 11, 1999 · Amount on File |
| Deed Document Number | 202274948 |
| Deed Book / Page | 12169 / 364 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 21, 2022 |
| Property Address | 45 ENCLAVE DR, WINTER HAVEN, FL 33884-1327 |
| Document Number | 0000074948 |
| Book / Page | 12169 / 364 |
| Map Reference | MB 105 PG 1 |
| Instrument Date | Mar 17, 2022 |
| Instrument | 2022074948 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2022 |
| Title Company | RIDGE SECURITY TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,666.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 297 CHOESTOE FALLS CIR, 297, BLAIRSVILLE, GA 30512-7634 |
| Name | Verified Name |
|---|---|
| Address | 45 ENCLAVE DR, WINTER HAVEN, FL 33884-1327 |
| Document Number | 0012169366 |
|---|---|
| Date | Mar 21, 2022 |
| Instrument | 12169/366 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 45 ENCLAVE DR, WINTER HAVEN, FL 33884-1327 |
| Document Number | 0102920386 |
| Book / Page | 010292 / 000386 |
| Instrument Date | Oct 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 ENCLAVE DR WINTER HAVEN FL 338841327, WINTER HAVEN, FL 33884-1327 |
| Document Number | 0102920386 |
|---|---|
| Date | Oct 20, 2017 |
| Book Page | 010292/000386 |
| Instrument | 201106 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 19, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 45 ENCLAVE DR, WINTER HAVEN, FL 33884-1327 |
| Document Number | 0104350955 |
| Instrument Date | Oct 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 ENCLAVE DR WINTER HAVEN FL 338841327, WINTER HAVEN, FL 33884-1327 |
| Document Number | 0104350955 |
|---|---|
| Date | Mar 27, 2018 |
| Book Page | 010435/000955 |
| Instrument | 65296 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 26, 2048 |
The 2025 property tax bill for 45 Enclave Dr was $2,440 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $234,300 (+2.34%) Land $100 Building $234,200 | $234,300 (-0.93%) Land $100 Building $234,200 | |
| 2025 | $2,440.00 Homeowner's exemption | $228,932 | $236,500 Land $100 Building $236,400 |
| 2023 | $2,787.00 (+82.51%) Homeowner's exemption | $216,000 (+78.24%) Land $100 Building $215,900 | $216,000 (+14.89%) Land $100 Building $215,900 |
| 2022 | $1,527.00 | $121,184 | $188,000 Land $100 Building $187,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Enclave Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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 risk around 45 Enclave Dr is moderate, ranking above 66% of the US, with a 0.3% annual chance of 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.
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 |
| 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.
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 |
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