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91 Surf Dr, Winter Haven, FL 33880 Property Records

Polk County property record for 91 Surf Dr, Winter Haven, FL 33880

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,133 sqft · built 1979
Lot Size0.149 acres (6,499 sqft)
Owner2 Individual Names on File
Tax Bill$1,341 (2025)
Deeds & MortgagesFeb 2021 Line of Credit
Mar 2020 Transfer
Flood ZoneZone X (minimal risk)
APN26-29-17-689920-000380

Property Details

APN / Parcel Number

Primary APN26-29-17-689920-000380
Alternative APNs
  • 172926689920000380
  • 72926000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,133 sqft Living Area
1st Floor Area1,133 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1979
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Roof TypeGable
Roof MaterialOther
Lot Area6,499 sqft (0.149 acres)
Lot Dimensions100 ft deep x 65 ft wide
View / LotCommercial/Industrial
Garage TypeCarport
Garage Area192 sqft
CarportCarport
Carport Area192 sqft
PorchUnfinished Open Porch
Porch Area64 sqft

Location & Zoning

Street Address91 SURF DR
CityWINTER HAVEN
StateFL
Zip33880-5756
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionBEECH HAVEN ESTATES ADD PB 63 PG 47 LOT 38
Legal Range26E
Legal Township29S
Legal Section17
Legal SubdivisionBEECH HAVEN ESTATES ADDITION
Legal Tract689920
Legal Block2
Legal Lot Number38
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2003
Census Tract14502

Owner

Source: Polk County assessment roll, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address645 AVENUE A NW, WINTER HAVEN, FL 33881-4652
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 2, 2021Deed of Trust, Mortgage · Line of Credit
CITIZENS BANK & TRUST
Mar 13, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last Transfer DateMar 12, 2020
Transfer Doc0000058736
Record UpdatedSep 20, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address91 SURF DR, WINTER HAVEN, FL 33880-5756
Transaction TypeMortgage
Record UpdatedFeb 17, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 AVENUE A NW, WINTER HAVEN, FL 33881-4652

Mortgage

Document Number0000027064
DateFeb 2, 2021
Book Page11563/1376
Instrument2021027064
Lender
NameCITIZENS BANK & TRUST
TypeBank
AddressFROSTPROOF, FL 33843
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

March 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateMar 13, 2020
Property Address91 SURF DR, WINTER HAVEN, FL 33880-5756
Document Number0111750696
Book / Page011175 / 000696
Instrument DateMar 12, 2020
Instrument58736
Transaction TypeTransfer
Record UpdatedApr 23, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address645 AVENUE A WINTER HAVEN FL 33881, WINTER HAVEN, FL 33881

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,341.00 (+3.55%)$84,421 (-39.73%)$131,599 (-6.05%) Land $6,300 Building $125,299
2023$1,295.00$140,078 Land $6,100 Building $133,978$140,078 Land $6,100 Building $133,978

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims3 (2004–2022)
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 2 claims

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 RiskModerate
above 58% of the US · lower than 68% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemWAHNETA WATER SYSTEM
serves 4,500 people · EPA ID FL6531917
Water SourceGroundwater
Last State InspectionJun 2024
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile USA
Fixed Wireless		100 / 20

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