Polk County property record for 92 Surf Dr, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,240 sqft · built 1977 |
| Lot Size | 0.164 acres (7,153 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $58,200 (Nov 2000) |
| Tax Bill | $493 (2025) |
| Deeds & Mortgages | Mar 2021 Reverse Mortgage Oct 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-17-689920-000540 |
| Primary APN | 26-29-17-689920-000540 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,240 sqft Living Area |
| 1st Floor Area | 1,000 sqft |
| Flooring | Terrazzo |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,153 sqft (0.164 acres) |
| Lot Dimensions | 98 ft deep x 72 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Detached |
| Garage Area | 432 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 240 sqft |
| Shed | 1 Shed |
| Utility Building | 108 sqft |
| Street Address | 92 SURF DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-5717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | BEECH HAVEN ESTATES ADD PB 63 PG 47 LOT 54 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 17 |
| Legal Subdivision | BEECH HAVEN ESTATES ADDITION |
| Legal Tract | 689920 |
| Legal Block | 2 |
| Legal Lot Number | 54 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 14502 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 92 SURF DR, WINTER HAVEN, FL 33880-5717 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 9, 2021 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Oct 6, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 21, 2000 · Amount on Record |
| Deed Sale | Nov 21, 2000 · Amount on Record |
| Prior Sale | Oct 27, 1995 · Amount on Record |
| Deed Book / Page | 4575 / 1687 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 92 SURF DR, WINTER HAVEN, FL 33880-5717 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 92 SURF DR, WINTER HAVEN, FL 33880-5717 |
| Document Number | 0000060317 |
|---|---|
| Date | Mar 9, 2021 |
| Book Page | 11614/1980 |
| Instrument | 2021060317 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.55% |
| Change Frequency | Annually |
| Index | 1-Year CMT |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 6, 2020 |
| Property Address | 92 SURF DR, WINTER HAVEN, FL 33880-5717 |
| Document Number | 0114020585 |
| Book / Page | 011402 / 000585 |
| Instrument Date | Aug 27, 2020 |
| Instrument | 209526 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 92 SURF DR WINTER HAVEN FL 338805717, WINTER HAVEN, FL 33880-5717 |
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 | $80,472 (+2.7%) | $147,036 (+1.7%) Land $6,300 Building $140,736 | |
| 2025 | $493.00 (-47.89%) Homeowner's exemption | $78,356 (+5.99%) | $144,580 (-5.23%) Land $6,300 Building $138,280 |
| 2023 | $946.00 (+3.96%) Homeowner's exemption | $73,930 (+3%) | $152,551 (+11.63%) Land $6,100 Building $146,451 |
| 2022 | $910.00 Homeowner's exemption | $71,777 | $136,654 Land $5,100 Building $131,554 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 3 (2004–2022) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 68% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | WAHNETA WATER SYSTEM serves 4,500 people · EPA ID FL6531917 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 122 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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