Polk County property record for 4524 Back Nine Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,016 sqft · built 2019 |
| Lot Size | 0.138 acres (5,998 sqft) |
| Owner | Company Name on Record |
| Last Sale | $394,000 (Feb 2022) |
| Tax Bill | $6,294 (2025) |
| Deeds & Mortgages | Feb 2022 Sale May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-24-690596-002460 |
| Primary APN | 26-29-24-690596-002460 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,016 sqft Living Area |
| Gross Area | 2,995 sqft |
| 1st Floor Area | 2,016 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 5,998 sqft (0.138 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 649 sqft |
| Porch | Florida Room |
| Porch Area | 378 sqft |
| Street Address | 4524 BACK NINE DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE ASHTON WEST PHASE I PB 138 PGS 11 THRU 21 LOT 246 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 24 |
| Legal Subdivision | LAKE ASHTON WEST PHASE I |
| Legal Phase | I |
| Legal Tract | 690596 |
| Legal Block | 3 |
| Legal Lot Number | 246 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 3 |
| Census Block | 3040 |
| Census Tract | 14401 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 4524 BACK NINE DR, WINTER HAVEN, FL 33884-3545 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Feb 14, 2022 | Warranty Deed, Transfer REAL ESTATE TITLE SVCS INC |
| May 6, 2019 | Reverse Mortgage, Subdivision Related Transfer · FHA Mortgage RETIREMENT FNDG SOLUTIONS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 14, 2022 · Amount on Record |
| Deed Sale | Feb 14, 2022 · Amount on Record |
| Prior Sale | May 6, 2019 · Amount on Record |
| Deed Document Number | 202239786 |
| Deed Book / Page | 12115 / 1010 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 14, 2022 |
| Property Address | 4524 BACK NINE DR, WINTER HAVEN, FL 33884-3545 |
| Document Number | 0000039786 |
| Book / Page | 12115 / 1010 |
| Map Reference | MB 138 PG 11-21 |
| Instrument Date | Feb 11, 2022 |
| Instrument | 2022039786 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | REAL ESTATE TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,758.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4524 BACK NINE DR, 4524, WINTER HAVEN, FL 33884-3545 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 4524 BACK NINE DR, WINTER HAVEN, FL 33884-3545 |
| Document Type | Reverse Mortgage |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 6, 2019 |
| Property Address | 4524 BACK NINE DR, WINTER HAVEN, FL 33884-3545 |
| Document Number | 0108330468 |
| Book / Page | 010833 / 000468 |
| Instrument Date | May 6, 2019 |
| Instrument | 92870 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,782.20 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4524 BACK NINE DR WINTER HAVEN FL 338843545, WINTER HAVEN, FL 33884-3545 |
| Document Number | 108330471 |
|---|---|
| Date | May 6, 2019 |
| Book Page | 010833/000471 |
| Instrument | 92871 |
| Name | RETIREMENT FNDG SOLUTIONS |
|---|---|
| Address | SAN DIEGO, CA 92108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 948 Months |
| Due | May 5, 2098 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.21% |
| Document Number | 108330488, |
|---|---|
| Date | May 6, 2019 |
| Book Page | 010833/000488 |
| Instrument | 92872 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 948 Months |
| Due | May 5, 2098 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.21% |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $313,337 (-6.92%) Land $58,000 Building $255,337 | $313,337 (-6.92%) Land $58,000 Building $255,337 | |
| 2025 | $6,294.00 (-38.44%) | $336,642 (-1.15%) Land $58,000 Building $278,642 | $336,642 (-1.15%) Land $58,000 Building $278,642 |
| 2023 | $10,224.00 (+85.76%) | $340,564 (+90.65%) Land $55,000 Building $285,564 | $340,564 (+11.07%) Land $55,000 Building $285,564 |
| 2022 | $5,504.00 | $178,635 | $306,617 Land $51,000 Building $255,617 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 42 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 42 in force |
| Nearby Flood Claims | 1 (2022) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 45% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 187 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 |
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