4548 Emerald Palms Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 4548 Emerald Palms Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,876 sqft · built 2024
Lot Size	0.781 acres (34,029 sqft)
Owner	Company Name on File
Last Sale	$85,000 (Apr 2021)
Tax Bill	$7,380 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Apr 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`26-29-12-687522-000170`

Property Details

APN / Parcel Number

Primary APN	`26-29-12-687522-000170`
Alternative APNs	`122926687522000170` `22926000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,876 sqft Living Area
Gross Area	3,596 sqft
1st Floor Area	2,876 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	34,029 sqft (0.781 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	720 sqft
Pool Type	Enclosed Pool
Porch	Finished/Open Porch

Location & Zoning

Street Address	4548 EMERALD PALMS DR
City	WINTER HAVEN
State	FL
Zip	33884-3506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD PALMS PB 142 PGS 1-4 LOT 17
Legal Range	26E
Legal Township	29S
Legal Section	12
Legal Subdivision	EMERALD PALMS
Legal Block	1
Legal Lot Number	17
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1009
Census Tract	14006

Owner

4548 Emerald Palms Dr is owned by a company that bought it in April 2021 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	4548 EMERALD PALMS DR, WINTER HAVEN, FL 33884-3506
Occupancy	Owner Occupied
Owner Type	Company

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

Date	Document
Apr 30, 2021	Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU
Apr 10, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2021 · Amount on File
Deed Sale	Apr 30, 2021 · Amount on File
Prior Sale	Apr 29, 2021 · Amount on File
Deed Document Number	2021111241
Deed Book / Page	11693 / 596
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 30, 2021
Property Address	4548 EMERALD PALMS DR, WINTER HAVEN, FL 33884-3506
Document Number	0000111241
Book / Page	11693 / 596
Map Reference	MB 142 PG 1
Instrument Date	Apr 27, 2021
Instrument	2021111241
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$595.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	129 N LAKE FLORENCE DR, 129, WINTER HAVEN, FL 33884-2238

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 SERENITY LOOP APT 102, 102, LAKE WALES, FL 33859-6964

Mortgage

Document Number	0011693599
Date	Apr 30, 2021
Instrument	11693/599

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	61 Months
Due	May 1, 2026

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Apr 10, 2019
Property Address	4548 EMERALD PALMS DR, WINTER HAVEN, FL 33884-3506
Document Number	0108051711
Book / Page	010805 / 001711
Instrument Date	Apr 5, 2019
Instrument	72497
Transaction Type	Transfer
Record Updated	Apr 23, 2019
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	Tenants in Common
Address	129 N LAKE FLORENCE DR WINTER HAVEN FL 338842238, WINTER HAVEN, FL 33884-2238

Tax Assessment & Valuation

The 2025 property tax bill for 4548 Emerald Palms Dr was $7,380 with a homeowner's exemption.

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		$443,171 (+2.7%)	$455,202 (+5.49%) Land $90,000 Building $365,202
2025	$7,380.00 Homeowner's exemption	$431,520 Land $90,000 Building $341,520	$431,520 Land $90,000 Building $341,520
2023	$1,733.00 (-0.91%)	$90,000 (-) Land $90,000	$90,000 (-) Land $90,000
2022	$1,749.00	$90,000 Land $90,000	$90,000 Land $90,000

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

Flood

FEMA maps place 4548 Emerald Palms 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 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

Wildfire risk around 4548 Emerald Palms Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% 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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