Polk County property record for 5846 Breakwater Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,846 sqft · built 2004 |
| Lot Size | 0.825 acres (35,933 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Jun 2015) |
| Tax Bill | $2,956 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 27-29-06-855571-000220 |
| Primary APN | 27-29-06-855571-000220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,846 sqft Living Area |
| Gross Area | 2,308 sqft |
| 1st Floor Area | 1,846 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 35,933 sqft (0.825 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Pool Type | Enclosed Pool |
| Porch | Unfinished Open Porch |
| Porch Area | 164 sqft |
| Street Address | 5846 BREAKWATER DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND HARBOR PB 117 PGS 36 THRU 38 LOT 22 |
| Legal Range | 27E |
| Legal Township | 29S |
| Legal Section | 06 |
| Legal Subdivision | HIGHLAND HARBOR |
| Legal Tract | 855571 |
| Legal Block | 1 |
| Legal Lot Number | 22 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 14123 |
5846 Breakwater Dr is owned and occupied by an individual who bought it in June 2015.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5846 BREAKWATER DR, WINTER HAVEN, FL 33884-3301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2015 · Amount on File |
| Deed Sale | Jun 5, 2015 · Amount on File |
| Prior Sale | Mar 25, 2010 · Amount on File |
| Deed Document Number | 2015101986 |
| Deed Book / Page | 9544 / 623 |
| Prior Transfer Date | Jul 5, 2013 |
| Prior Transfer Doc | 0000125870 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 5846 Breakwater Dr was $2,956 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $207,031 (+2.7%) | $328,705 (+1.84%) Land $70,000 Building $258,705 | |
| 2025 | $2,956.00 Homeowner's exemption | $201,588 | $322,756 Land $70,000 Building $252,756 |
| 2023 | $2,783.00 (+3.07%) Homeowner's exemption | $190,201 (+3%) | $326,980 (+12.11%) Land $68,000 Building $258,980 |
| 2022 | $2,700.00 Homeowner's exemption | $184,661 | $291,664 Land $56,000 Building $235,664 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5846 Breakwater Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 136.6 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 26 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 26 in force |
| Nearby Flood Claims | 24 (1979–2022) |
| Claims Outside the SFHA | 3 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 5846 Breakwater Dr is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | None beyond ember reach |
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 257 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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