108 Waterside Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 108 Waterside Cir, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,510 sqft · built 2017
Lot Size	0.131 acres (5,702 sqft)
Owner	2 Individual Names on File
Last Sale	$231,476 (Apr 2019)
Tax Bill	$5,451 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-658226-000020`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-658226-000020`
Alternative APNs	`332826658226000020` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,510 sqft Living Area
1st Floor Area	2,080 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	5,702 sqft (0.131 acres)
View / Lot	Commercial/Industrial
Porch	Florida Room
Porch Area	676 sqft

Location & Zoning

Street Address	108 WATERSIDE CIR
City	WINTER HAVEN
State	FL
Zip	33880-4716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERSIDE VILLAGE PB 161 PG 41-42 LOT 2
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	WATERSIDE VILLAGE
Legal Block	2
Legal Lot Number	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2057
Census Tract	14005

Owner

108 Waterside Cir is owned by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1016 BAYRIDGE TER, GAITHERSBURG, MD 20878-1900
Owner Type	Individual

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

Date	Document
Aug 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage HIGHTECHLENDING
Apr 1, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI DHI MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2019 · Amount on File
Deed Sale	Apr 1, 2019 · Amount on File
Prior Sale	Jan 1, 2017 · Amount on File
Deed Document Number	201964319
Deed Book / Page	10794 / 856
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	108 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number	0113820043
Instrument Date	Aug 20, 2020
Transaction Type	Mortgage
Record Updated	Oct 7, 2020
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	108 WATERSIDE CIR WINTER HAVEN FL 338804716, WINTER HAVEN, FL 33880-4716

Mortgage

Document Number	0113820043
Date	Sep 21, 2020
Book Page	011382/000043
Instrument	196279

Lender

Name	HIGHTECHLENDING
Address	IRVINE, CA 92614

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2050

April 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Apr 1, 2019
Property Address	108 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number	0107940856
Book / Page	010794 / 000856
Instrument Date	Mar 26, 2019
Instrument	64319
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 16, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,620.33
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	108 WATERSIDE CIR WINTER HAVEN FL 338804716, WINTER HAVEN, FL 33880-4716

Mortgage

Document Number	107940857
Date	Apr 1, 2019
Book Page	010794/000857
Instrument	64320

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 31, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 108 Waterside Cir was $5,451.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$283,054 (-1.23%) Land $52,000 Building $231,054	$283,054 (-1.23%) Land $52,000 Building $231,054
2025	$5,451.00	$286,573 Land $52,000 Building $234,573	$286,573 Land $52,000 Building $234,573
2023	$4,507.00 (+2.57%) Homeowner's exemption	$277,069 (+3%)	$297,970 (+10.77%) Land $50,000 Building $247,970
2022	$4,394.00 Homeowner's exemption	$268,999 Land $42,000 Building $226,999	$268,999 Land $42,000 Building $226,999

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 108 Waterside Cir 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 33 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	13 (1978–2026)
Claims Outside the SFHA	6 of 13
Most Recent Claim	Jun 2026 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Frances, Sep 2004 · 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

Wildfire risk around 108 Waterside Cir 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 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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