98 Surf Dr, Winter Haven, FL 33880 Property Records

Polk County property record for 98 Surf Dr, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,100 sqft · built 1977
Lot Size	0.166 acres (7,209 sqft)
Owner	Company Name on Record
Last Sale	$165,000 (Dec 2022)
Tax Bill	$1,694 (2025)
Deeds & Mortgages	Dec 2022 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`26-29-17-689920-000570`

Property Details

APN / Parcel Number

Primary APN	`26-29-17-689920-000570`
Alternative APNs	`172926689920000570` `72926000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,100 sqft Living Area
1st Floor Area	1,100 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	7,209 sqft (0.166 acres)
Lot Dimensions	100 ft deep x 72 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	300 sqft
Carport	Carport
Carport Area	300 sqft
Porch	Screened/Unfinished Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	98 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 57
Legal Range	26E
Legal Township	29S
Legal Section	17
Legal Subdivision	BEECH HAVEN ESTATES ADDITION
Legal Tract	689920
Legal Block	2
Legal Lot Number	57
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2000
Census Tract	14502

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	Company Name on Record
Mailing Address	656 FORMOSA AVE, WINTER PARK, FL 32789-4523
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2022 · Amount on Record
Deed Sale	Dec 7, 2022 · Amount on Record
Deed Document Number	2022316674
Deed Book / Page	12509 / 1459
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 7, 2022
Property Address	98 SURF DR, WINTER HAVEN, FL 33880-5717
Document Number	0000316674
Book / Page	12509 / 1459
Map Reference	MB 63 PG 47
Instrument Date	Nov 17, 2022
Instrument	2022316674
Transaction Type	Transfer
Record Updated	Dec 19, 2022
Title Company	INNOVATIVE TITLE SVCS I LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2173 EDEN TER, ROCK HILL, SC 29730-2876

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 FORMOSA AVE, WINTER PARK, FL 32789-4523

Mortgage

Document Number	0000316675
Date	Dec 7, 2022
Book Page	12509/1461
Instrument	2022316675

Lender

Name	BRADLEY BREWER
Type	Private Party
Address	2173 EDEN TER APT 204, ROCK HILL, SC 29730

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$129,305 (-1.35%) Land $6,300 Building $123,005	$129,305 (-1.35%) Land $6,300 Building $123,005
2025	$1,694.00 (-3%)	$131,069 (-5.94%) Land $6,300 Building $124,769	$131,069 (-5.94%) Land $6,300 Building $124,769
2024	$2,420.00 (+5.13%)
2023	$2,302.00 (+33.92%)	$139,349 (+7.98%) Land $6,100 Building $133,249	$139,349 (+7.98%) Land $6,100 Building $133,249
2022	$1,719.00	$129,053 Land $5,100 Building $123,953	$129,053 Land $5,100 Building $123,953

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 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

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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.07% 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.

Drinking Water

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

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, 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

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