95 Surf Dr, Winter Haven, FL 33880 Property Records

Polk County property record for 95 Surf Dr, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1977
Lot Size	0.149 acres (6,504 sqft)
Owner	2 Individual Names on File
Last Sale	$30,000 (Jun 2009)
Tax Bill	$1,250 (2025)
Deeds & Mortgages	Jun 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-29-17-689920-000370`

Property Details

APN / Parcel Number

Primary APN	`26-29-17-689920-000370`
Alternative APNs	`172926689920000370` `72926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	960 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	6,504 sqft (0.149 acres)
Lot Dimensions	100 ft deep x 65 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	1,977 sqft
Carport	Carport
Carport Area	1,977 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	296 sqft
Patio Area	64 sqft
Shed	1 Shed
Utility Building	96 sqft

Location & Zoning

Street Address	95 SURF DR
City	WINTER HAVEN
State	FL
Zip	33880-5758
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	BEECH HAVEN ESTATES ADD PB 63 PG 47 LOT 37
Legal Range	26E
Legal Township	29S
Legal Section	17
Legal Subdivision	BEECH HAVEN ESTATES ADDITION
Legal Tract	689920
Legal Block	2
Legal Lot Number	37
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2001
Census Tract	14502

Owner

Source: Polk County records · APN 26-29-17-689920-000370

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	95 SURF DR, WINTER HAVEN, FL 33880-5758
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 19, 2009 · Amount on Record
Deed Sale	Jun 19, 2009 · Amount on Record
Prior Sale	May 26, 2009 · Amount on Record
Deed Document Number	2009114442
Deed Book / Page	7911 / 298
Last Transfer Date	Aug 20, 2014
Transfer Doc	0000142441
Record Updated	Sep 20, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 07, 2019
Property Address	95 SURF DR, WINTER HAVEN, FL 33880-5758
Document Number	0108670997
Book / Page	010867 / 000997
Instrument Date	Jun 07, 2019
Instrument	118062
Transaction Type	Transfer
Record Updated	Jun 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 SURF DR WINTER HAVEN FL 338805758, WINTER HAVEN, FL 33880-5758

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	$1,250.00 (-26.04%) Homeowner's exemption	$136,952 (+3.45%) Land $6,300 Building $130,652	$136,952 (-5.33%) Land $6,300 Building $130,652
2023	$1,690.00 (+4%) Homeowner's exemption	$132,390 (+3%)	$144,660 (+12.55%) Land $6,100 Building $138,560
2022	$1,625.00 Homeowner's exemption	$128,534 Land $5,100 Building $123,434	$128,534 Land $5,100 Building $123,434

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	Hurricane Ian, Sep 2022 · 2 claims

Wildfire

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 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	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

Based on FCC filings for 122 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WAHNETA WATER SYSTEM serves 4,500 people
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.