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4548 Back Nine Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 4548 Back Nine Dr, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,763 sqft · built 2009
Lot Size0.178 acres (7,754 sqft)
Owner2 Individual Names on File
Last Sale$79,000 (May 2008)
Tax Bill$4,017 (2024)
Deeds & MortgagesApr 2022 Transfer
Sep 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-29-24-690596-002520

Property Details

APN / Parcel Number

Primary APN26-29-24-690596-002520
Alternative APNs
  • 242926690596002520
  • 42926000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,763 sqft Living Area
Gross Area2,435 sqft
1st Floor Area1,763 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2009
Effective Year BuiltEffective 2009
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area7,754 sqft (0.178 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area672 sqft
PorchScreened/Unfinished Porch
Porch Area305 sqft

Location & Zoning

Street Address4548 BACK NINE DR
CityWINTER HAVEN
StateFL
Zip33884-3545
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE ASHTON WEST PHASE I PB 138 PGS 11 THRU 21 LOT 252
Legal Range26E
Legal Township29S
Legal Section24
Legal SubdivisionLAKE ASHTON WEST PHASE I
Legal PhaseI
Legal Tract690596
Legal Block3
Legal Lot Number252
JurisdictionPOLK FL
Township / Civil DivisionLAKE WALES
Census Block Group3
Census Block3040
Census Tract14401

Owner

4548 Back Nine Dr is owned and occupied by two individuals who acquired it in April 2022.

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

Owner of Record2 Individual Names on File
Mailing Address4548 BACK NINE DR, WINTER HAVEN, FL 33884-3545
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

DateDocument
Apr 5, 2022Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Sep 28, 2021Deed of Trust, Mortgage · VA Mortgage
ROCKET MORTGAGE LLC
Sep 21, 2020Loan Modification, Mortgage · Conventional Mortgage
CENTERSTATE BK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 19, 2008 · Amount on File
Deed SaleMay 19, 2008 · Amount on File
Deed Document Number200885251
Deed Book / Page7631 / 1276
Last Transfer DateApr 4, 2022
Transfer Doc0000092718
Record UpdatedOct 29, 2026

April 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateApr 5, 2022
Property Address4548 BACK NINE DR, WINTER HAVEN, FL 33884-3545
Document Number0000092718
Book / Page12195 / 1955
Map ReferenceMB 138 PG 11
Instrument DateApr 4, 2022
Instrument2022092718
Transaction TypeTransfer
Record UpdatedApr 18, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address311 SIDLEY RD, MALVERN, PA 19355-1132

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address4548 BACK NINE DR, WINTER HAVEN, FL 33884-3545
Transaction TypeMortgage
Record UpdatedOct 13, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000252634
DateSep 28, 2021
Book Page11912/1637
Instrument2021252634
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2051

September 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address4548 BACK NINE DR, WINTER HAVEN, FL 33884-3545
Document Number0114121379
Instrument DateSep 21, 2020
Transaction TypeMortgage
Record UpdatedNov 2, 2020
Title CompanyACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4548 BACK NINE DR WINTER HAVEN FL 338843545, WINTER HAVEN, FL 33884-3545

Mortgage

Document Number0114121379
DateOct 14, 2020
Book Page011412/001379
Instrument216400
Lender
NameCENTERSTATE BK NA
TypeBank
AddressWINTER HAVEN, FL 33884
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term120 Months
DueOct 13, 2030

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$205,250 (+2.7%)$256,690 (-6.23%) Land $55,000 Building $201,690
2025$199,854$273,752 Land $55,000 Building $218,752
2024$4,017.00 (+5.93%)
2023$3,792.00 (+5.57%) Homeowner's exemption$188,565 (+3%)$283,242 (+9.32%) Land $52,000 Building $231,242
2022$3,592.00 Homeowner's exemption$183,073$259,098 Land $50,000 Building $209,098

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

Flood

FEMA maps place 4548 Back Nine 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 42 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies42 in force
Nearby Flood Claims1 (2022)
Most Recent ClaimSep 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

Wildfire risk around 4548 Back Nine Dr is high, ranking above 71% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire RiskHigh
above 71% of the US · above 54% of Florida
Wildfire Likelihood0.4% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 154 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20

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