Polk County property record for 48 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 | $120,600 (Aug 1999) |
| Tax Bill | $1,240 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Jun 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-28-31-850502-000480 |
| Primary APN | 27-28-31-850502-000480 |
|---|---|
| Alternative APNs |
|
| 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 |
| 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 | 30 sqft |
| Street Address | 48 ENCLAVE DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1326 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | CYPRESSWOOD ENCLAVE PHASE TWO PB 105 PG 1 LOT 48 |
| 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 | 48 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 2 |
| Census Block | 2064 |
| Census Tract | 14123 |
Source: Polk County records · APN 27-28-31-850502-000480
Assessment roll updated June 23, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 48 ENCLAVE DR, WINTER HAVEN, FL 33884-1326 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 23, 2021 | Intrafamily Transfer, Transfer |
| May 20, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 23, 1999 · Amount on Record |
| Deed Sale | Aug 23, 1999 · Amount on Record |
| Deed Book / Page | 4304 / 370 |
| Last Transfer Date | Jun 22, 2021 |
| Transfer Doc | 0000163946 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 48 ENCLAVE DR, WINTER HAVEN, FL 33884-1326 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000127463 |
|---|---|
| Date | May 10, 2022 |
| Book Page | 12246/1689 |
| Instrument | 2022127463 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2037 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 23, 2021 |
| Property Address | 48 ENCLAVE DR, WINTER HAVEN, FL 33884-1326 |
| Document Number | 0000163946 |
| Book / Page | 11774 / 1423 |
| Map Reference | MB 105 PG 1 |
| Instrument Date | Jun 22, 2021 |
| Instrument | 2021163946 |
| Transaction Type | Transfer |
| Record Updated | Jul 06, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 48 ENCLAVE DR, WINTER HAVEN, FL 33884-1326 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 20, 2019 |
| Property Address | 48 ENCLAVE DR, WINTER HAVEN, FL 33884-1326 |
| Document Number | 0108451837 |
| Book / Page | 010845 / 001837 |
| Instrument Date | May 13, 2019 |
| Instrument | 102406 |
| Transaction Type | Transfer |
| Record Updated | Jun 05, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 48 ENCLAVE DR WINTER HAVEN FL 338841326, WINTER HAVEN, FL 33884-1326 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,240.00 (-24.3%) Homeowner's exemption | $136,134 (+5.99%) | $235,500 (+9.53%) Land $100 Building $235,400 |
| 2023 | $1,638.00 (+4.07%) Homeowner's exemption | $128,444 (+3%) | $215,000 (+14.97%) Land $100 Building $214,900 |
| 2022 | $1,574.00 Homeowner's exemption | $124,703 | $187,000 Land $100 Building $186,900 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Moderate above 66% of the US · above 44% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
Based on FCC filings for 233 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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