996 Willowbrook Ct, Winter Haven, FL 33884 Property Records

Polk County property record for 996 Willowbrook Ct, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,558 sqft · built 1986
Lot Size	0.231 acres (10,049 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Jul 2025)
Tax Bill	$891 (2025)
Deeds & Mortgages	Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-01-663550-000870`

Property Details

APN / Parcel Number

Primary APN	`26-29-01-663550-000870`
Alternative APNs	`012926663550000870` `12926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,558 sqft Living Area
Gross Area	2,053 sqft
1st Floor Area	1,558 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	10,049 sqft (0.231 acres)
Lot Dimensions	110 ft deep x 88 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	495 sqft
Pool Area	512 sqft
Porch	Unfinished Open Porch
Porch Area	105 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	996 WILLOWBROOK CT
City	WINTER HAVEN
State	FL
Zip	33884-2940
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	CYPRESS GROVE PHASE 3 PB 69 PG 45 LOT 87
Legal Range	26E
Legal Township	29S
Legal Section	01
Legal Subdivision	CYPRESS GROVE PHASE 03
Legal Phase	3
Legal Tract	663550
Legal Block	2
Legal Lot Number	87
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2013
Census Tract	14003

Owner

996 Willowbrook Ct is owned and occupied by an individual who bought it in July 2025.

Source: Polk County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	996 WILLOWBROOK CT, WINTER HAVEN, FL 33884-2940
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2025 · Amount on File
Deed Sale	Jul 10, 2025 · Amount on File
Prior Sale	Sep 28, 1998 · Amount on File
Deed Document Number	2025160243
Deed Book / Page	13618 / 272
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	996 WILLOWBROOK CT, WINTER HAVEN, FL 33884-2940
Transaction Type	Mortgage
Record Updated	Jul 14, 2022
Title Company	REAL ESTATE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	996 WILLOWBROOK CT, WINTER HAVEN, FL 33884-2940

Mortgage

Document Number	0000179810
Date	Jun 30, 2022
Book Page	12320/2252
Instrument	2022179810

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jul 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	8.12%

Tax Assessment & Valuation

The 2025 property tax bill for 996 Willowbrook Ct was $891.

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		$239,393 (+122.31%) Land $42,000 Building $197,393	$239,393 (+3.73%) Land $42,000 Building $197,393
2025	$891.00	$107,682	$230,794 Land $42,000 Building $188,794
2023	$1,544.00 (+9.97%) Homeowner's exemption	$101,599 (+3%)	$213,944 (-6.56%) Land $40,000 Building $173,944
2022	$1,404.00 Homeowner's exemption	$98,640	$228,976 Land $33,000 Building $195,976

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 996 Willowbrook Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2005)
Most Recent Claim	Oct 2005 · Hurricane Wilma

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

Wildfire risk around 996 Willowbrook Ct is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 277 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