Polk County property record for 54 Enclave Dr, Winter Haven, FL 33884
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2 ba · 1,444 sqft · built 2001 |
| Lot Size | 0.051 acres (2,217 sqft) |
| Owner | Individual Name on File |
| Last Sale | $166,000 (Mar 2020) |
| Tax Bill | $2,488 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Mar 2020 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-28-31-850502-000540 |
| Primary APN | 27-28-31-850502-000540 |
|---|---|
| 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 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| 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 | Screened/Unfinished Porch |
| Porch Area | 82 sqft |
| Patio Area | 72 sqft |
| Street Address | 54 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 54 |
| 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 | 54 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 14123 |
54 Enclave Dr, a townhouse, is owned by an individual who bought it in March 2020.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11 CHERRY BLOSSOM LN, WINTER HAVEN, FL 33884-3403 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 7, 2022 | Deed of Trust, Mortgage · SBA Mortgage LIVE OAK BANKING COMPANY |
| Mar 13, 2020 | Warranty Deed, Transfer · Line of Credit CITIZENS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 13, 2020 · Amount on File |
| Deed Sale | Mar 13, 2020 · Amount on File |
| Prior Sale | Mar 3, 2015 · Amount on File |
| Deed Document Number | 202059183 |
| Deed Book / Page | 11175 / 1962 |
| Prior Transfer Date | Nov 26, 2007 |
| Prior Transfer Doc | 0000241214 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 54 ENCLAVE DR, WINTER HAVEN, FL 33884-1326 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000033477 |
|---|---|
| Date | Feb 7, 2022 |
| Book Page | 12106/183 |
| Instrument | 2022033477 |
| Name | LIVE OAK BANKING COMPANY |
|---|---|
| Type | Bank |
| Address | WILMINGTON, NC 28403 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 2, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 13, 2020 |
| Property Address | 54 ENCLAVE DR, WINTER HAVEN, FL 33884-1326 |
| Document Number | 0111751962 |
| Book / Page | 011175 / 001962 |
| Instrument Date | Mar 13, 2020 |
| Instrument | 59183 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2020 |
| Title Company | INTEGRITY FIRST TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,162.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 CHERRY BLOSSOM LN WINTER HAVEN FL 338843403, WINTER HAVEN, FL 33884-3403 |
| Document Number | 111751964 |
|---|---|
| Date | Mar 13, 2020 |
| Book Page | 011175/001964 |
| Instrument | 59184 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 54 Enclave Dr was $2,488.
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 | $189,200 (-1.71%) Land $100 Building $189,100 | $189,200 (-1.71%) Land $100 Building $189,100 | |
| 2025 | $2,488.00 | $192,500 Land $100 Building $192,400 | $192,500 Land $100 Building $192,400 |
| 2023 | $2,858.00 (+9.97%) | $189,000 (+14.89%) Land $100 Building $188,900 | $189,000 (+14.89%) Land $100 Building $188,900 |
| 2022 | $2,599.00 | $164,500 Land $100 Building $164,400 | $164,500 Land $100 Building $164,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 54 Enclave 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 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.
Wildfire risk around 54 Enclave Dr is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.
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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