Polk County property record for 47 Enclave Dr, Winter Haven, FL 33884
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2 ba · 1,444 sqft · built 1999 |
| Lot Size | 0.051 acres (2,217 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $235,000 (Aug 2026) |
| Tax Bill | $2,482 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Aug 2026 Sale + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-28-31-850502-000470 |
| Primary APN | 27-28-31-850502-000470 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,444 sqft Living Area |
| Gross Area | 1,885 sqft |
| 1st Floor Area | 1,444 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 | Unfinished Open Porch |
| Porch Area | 82 sqft |
| Street Address | 47 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 47 |
| 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 | 47 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 2 |
| Census Block | 2064 |
| Census Tract | 14123 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 47 ENCLAVE DR, WINTER HAVEN, FL 33884-1327 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Widow or Widower |
| Date | Document |
|---|---|
| Aug 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 17, 2026 | Affidavit, Transfer |
| Feb 28, 2023 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Feb 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 14, 2018 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Apr 9, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2026 · Amount on Record |
| Deed Sale | Aug 17, 2026 · Amount on Record |
| Prior Sale | Feb 28, 2023 · Amount on Record |
| Deed Document Number | 2026198327 |
| Deed Book / Page | 14118 / 1501 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 17, 2026 |
| Property Address | 47 ENCLAVE DR, WINTER HAVEN, FL 33884-1327 |
| Document Number | 0000198327 |
| Book / Page | 14118 / 1501 |
| Instrument Date | Aug 11, 2026 |
| Instrument | 2026198327 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | INTEGRITY FIRST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $166,145.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 47 ENCLAVE DR, WINTER HAVEN, FL 33884-1327 |
| Document Number | 0000198328, |
|---|---|
| Date | Aug 17, 2026 |
| Instrument | 2026198328 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 17, 2026 |
| Property Address | 47 ENCLAVE DR, WINTER HAVEN, FL 33884-1327 |
| Document Number | 0000198325 |
| Book / Page | 14118 / 1499 |
| Instrument Date | Aug 11, 2026 |
| Instrument | 2026198325 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 47 ENCLAVE DR, WINTER HAVEN, FL 33884-1327 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 28, 2023 |
| Property Address | 47 ENCLAVE DR, WINTER HAVEN, FL 33884-1327 |
| Document Number | 0000046991 |
| Book / Page | 12597 / 533 |
| Map Reference | MB 105 PG 1 |
| Instrument Date | Feb 24, 2023 |
| Instrument | 2023046991 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,610.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 118 HIDE A WAY LN, WINTER HAVEN, FL 33881-8618 |
| Name | Verified Name |
|---|---|
| Address | 3605 MENAUGHTON WAY, MURFREESBORO, TN 37128-1601 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 47 ENCLAVE DR, WINTER HAVEN, FL 33884-1327 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000043228 |
|---|---|
| Date | Feb 16, 2022 |
| Book Page | 12120/1615 |
| Instrument | 2022043228 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 47 ENCLAVE DR, WINTER HAVEN, FL 33884-1327 |
| Document Number | 0107021713 |
| Instrument Date | Dec 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 47 ENCLAVE DR WINTER HAVEN FL 338841327, WINTER HAVEN, FL 33884-1327 |
| Document Number | 0107021713 |
|---|---|
| Date | Dec 20, 2018 |
| Book Page | 010702/001713 |
| Instrument | 262843 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 19, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 47 ENCLAVE DR, WINTER HAVEN, FL 33884-1327 |
| Document Number | 0104550288 |
| Instrument Date | Apr 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 47 ENCLAVE DR WINTER HAVEN FL 338841327, WINTER HAVEN, FL 33884-1327 |
| Document Number | 0104550288 |
|---|---|
| Date | Apr 16, 2018 |
| Book Page | 010455/000288 |
| Instrument | 80516 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 15, 2048 |
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 | $188,000 (-2.08%) Land $100 Building $187,900 | $188,000 (-2.08%) Land $100 Building $187,900 | |
| 2025 | $2,482.00 (+80.51%) | $192,000 (+77.11%) Land $100 Building $191,900 | $192,000 (+1.86%) Land $100 Building $191,900 |
| 2023 | $1,375.00 (+4.48%) | $108,410 (+3%) | $188,500 (+14.94%) Land $100 Building $188,400 |
| 2022 | $1,316.00 Homeowner's exemption | $105,252 | $164,000 Land $100 Building $163,900 |
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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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