772 Sarner Pass Way, Winter Haven, FL 33881 Property Records

Polk County property record for 772 Sarner Pass Way, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,717 sqft · built 2023
Lot Size	0.14 acres (6,103 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,432 (Feb 2023)
Tax Bill	$3,734 (2025)
Deeds & Mortgages	Jan 2024 Second Mortgage Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-27-35-522105-001280`

Property Details

APN / Parcel Number

Primary APN	`26-27-35-522105-001280`
Alternative APN	`352726522105001280`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,717 sqft Living Area
Gross Area	2,137 sqft
1st Floor Area	1,717 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,103 sqft (0.14 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch
Porch Area	65 sqft

Location & Zoning

Street Address	772 SARNER PASS WAY
City	WINTER HAVEN
State	FL
Zip	33881-9424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE LUCERNE PHASE 6 PB 187 PG 35-37 LOT 128
Legal Range	26E
Legal Township	27S
Legal Section	35
Legal Subdivision	LAKE LUCERNE PHASE 6
Legal Phase	6
Legal Block	2
Legal Lot Number	128
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2021
Census Tract	12803

Owner

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	2 Individual Names on Record
Mailing Address	772 SARNER PASS WAY, WINTER HAVEN, FL 33881-9424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Feb 2, 2023	Special Warranty Deed, Transfer · Conventional Mortgage KBHS HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2023 · Amount on Record
Deed Sale	Feb 2, 2023 · Amount on Record
Deed Document Number	202326125
Deed Book / Page	12570 / 1822
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	772 SARNER PASS WAY, WINTER HAVEN, FL 33881-9424
Transaction Type	Mortgage
Record Updated	Feb 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	772 SARNER PASS WAY, WINTER HAVEN, FL 33881-9424

Mortgage

Document Number	0000012767
Date	Jan 18, 2024
Book Page	12975/2105
Instrument	2024012767

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2054

February 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 2, 2023
Property Address	772 SARNER PASS WAY, WINTER HAVEN, FL 33881-9424
Document Number	0000026125
Book / Page	12570 / 1822
Map Reference	MB 187 PG 35
Instrument Date	Jan 30, 2023
Instrument	2023026125
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,243.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	772 SARNER PASS WAY, WINTER HAVEN, FL 33881-9424

Mortgage

Document Number	0125701824
Date	Feb 2, 2023
Instrument	12570/1824

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

Tax Assessment & Valuation

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		$224,928 (-7.5%) Land $50,000 Building $174,928	$224,928 (-7.5%) Land $50,000 Building $174,928
2025	$3,734.00 (+338.26%)	$243,168 (+406.6%) Land $50,000 Building $193,168	$243,168 (+406.6%) Land $50,000 Building $193,168
2023	$852.00 (+11.96%)	$48,000 (+2%) Land $48,000	$48,000 (+2%) Land $48,000
2022	$761.00	$40,000 Land $40,000	$40,000 Land $40,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	8 in force

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

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

Wildfire Risk	High above 75% of the US · above 61% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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