The phase shift is 180 degrees! :-)  Yes, it's
220 VAC, center tapped
 and the center tap is tied to neutral (not ground).  The neutrals aren't
 supposed to be tied to ground but a lot of people do it anyway. 
Unless things are much different in Florida, the neutral is supposed to be
tied to ground in *exactly* one place for the entire building, and that
place is at the main breaker panel.  So I assume you meant that people
add additional neutral-ground connections elsewhere, which is *bad*.
  FWIW here in Florida, the code requires that all new
contruction use
 four conductor outlets for split phase 220 (one neutral, two hot and
 one ground). 
Interesting.  While I approve on the basis of it being more useful, I
don't understand why the building or electrical would require this.
It doesn't appear to offer any safety advantage.
I should rephrase that.  Split phase with neutral doesn't offer any
safety advantage over correctly-used split-phase without neutral.  But
I suppose if morons have been abusing the ground wire as a neutral, that
would be likely to burn down some buildings.  So I suppose the code
has been updated in an attempt to avoid that situation.