91 Lake Ring Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 91 Lake Ring Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,005 sqft · built 2019
Lot Size	0.197 acres (8,568 sqft)
Owner	2 Individual Names on File
Last Sale	$209,900 (May 2019)
Tax Bill	$2,077 (2025)
Deeds & Mortgages	May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-34-662000-000880`

Property Details

APN / Parcel Number

Primary APN	`26-28-34-662000-000880`
Alternative APNs	`342826662000000880` `42826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,005 sqft Living Area
Gross Area	2,425 sqft
1st Floor Area	2,005 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	8,568 sqft (0.197 acres)
Lot Dimensions	130 ft deep x 75 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch
Porch Area	36 sqft

Location & Zoning

Street Address	91 LAKE RING DR
City	WINTER HAVEN
State	FL
Zip	33884-1422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELOISE WOODS LAKE MARIAM UNIT PB 17 PG 49 49A 49B LOT 88
Legal Range	26E
Legal Township	28S
Legal Section	34
Legal Subdivision	ELOISE WOODS LAKE MARIAM UNIT
Legal Block	2
Legal Lot Number	88
Legal Unit	PB
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2031
Census Tract	13902

Owner

Source: Polk County records · APN 26-28-34-662000-000880

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	2 Individual Names on File
Mailing Address	91 LAKE RING DR, WINTER HAVEN, FL 33884-1422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 01, 2019 · Amount on Record
Deed Sale	May 01, 2019 · Amount on Record
Deed Document Number	201988613
Deed Book / Page	10827 / 160
Record Updated	Sep 20, 2026

May 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 01, 2019
Property Address	91 LAKE RING DR, WINTER HAVEN, FL 33884-1422
Document Number	0108270168
Book / Page	010827 / 000168
Instrument Date	Apr 26, 2019
Instrument	88613
Transaction Type	Subdivision Related Transfer
Record Updated	May 20, 2019
Title Company	INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,463.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	912 LAKE RING DR WINTER HAVEN FL 33884, WINTER HAVEN, FL 33884

Mortgage

Document Number	108270169
Date	May 01, 2019
Book Page	010827/000169
Instrument	88614

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2049

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

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	$2,077.00 (-15.02%) Homeowner's exemption	$197,159 (+5.99%)	$257,364 (-8.75%) Land $32,559 Building $224,805
2023	$2,444.00 (+3.12%) Homeowner's exemption	$186,022 (+3%)	$282,053 (+5.78%) Land $31,703 Building $250,350
2022	$2,370.00 Homeowner's exemption	$180,604	$266,635 Land $26,562 Building $240,073

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), as of October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050139022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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 25 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	2 (2004)
Most Recent Claim	Sep 2004 · Hurricane Frances

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 308 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL6531992, 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

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 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.