112 Waterside Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 112 Waterside Cir, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,821 sqft · built 2018
Lot Size	0.132 acres (5,754 sqft)
Owner	Company Name on Record
Last Sale	$311,000 (Oct 2022)
Tax Bill	$4,802 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jul 2023 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-658226-000030`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-658226-000030`
Alternative APNs	`332826658226000030` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,821 sqft Living Area
Gross Area	2,284 sqft
1st Floor Area	1,821 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,754 sqft (0.132 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	463 sqft
Porch	Screened/Unfinished Porch
Porch Area	204 sqft

Location & Zoning

Street Address	112 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 3
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	WATERSIDE VILLAGE
Legal Block	2
Legal Lot Number	3
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2057
Census Tract	14005

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	15771 RED HILL AVE, 100, TUSTIN, CA 92780-7333
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2023	Deed of Trust, Mortgage · Commercial Mortgage MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Jul 17, 2023	Intrafamily Transfer, Transfer OS NATIONAL LLC
Oct 19, 2022	Warranty Deed, Transfer OS NATIONAL LLC
Jul 26, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 26, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 12, 2018	Grant Deed, Subdivision Related Transfer · VA Mortgage DHI MTG
Mar 23, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2022 · Amount on Record
Deed Sale	Oct 19, 2022 · Amount on Record
Prior Sale	Dec 12, 2018 · Amount on Record
Deed Document Number	2022275037
Deed Book / Page	12453 / 671
Last Transfer Date	Jul 11, 2023
Transfer Doc	0000165529
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	112 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Transaction Type	Mortgage
Record Updated	Aug 7, 2023
Title Company	OS NATIONAL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000172360
Date	Jul 25, 2023
Book Page	12775/867
Instrument	2023172360

Lender

Name	MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Type	Mortgage Company
Address	NEW YORK, NY 10036

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Jul 17, 2023
Property Address	112 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number	0000165529
Book / Page	12765 / 1131
Map Reference	MB 161 PG 41&42
Instrument Date	Jul 11, 2023
Instrument	2023165529
Transaction Type	Transfer
Record Updated	Aug 7, 2023
Title Company	OS NATIONAL LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15771 RED HILL AVE, TUSTIN, CA 92780-7333

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15771 RED HILL AVE, TUSTIN, CA 92780-7333
Investor	Possibly a Property Investor

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 19, 2022
Property Address	112 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number	0000275037
Book / Page	12453 / 671
Map Reference	MB 161 PG 41
Instrument Date	Oct 13, 2022
Instrument	2022275037
Transaction Type	Transfer
Record Updated	Nov 1, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$2,177.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 WATERSIDE CIR, 112, WINTER HAVEN, FL 33880-4716

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15087, SANTA ANA, CA 92735-0087
Investor	Possibly a Property Investor

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	112 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Transaction Type	Mortgage
Record Updated	Aug 4, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716

Mortgage

Document Number	0000202834
Date	Jul 26, 2022
Book Page	12353/549
Instrument	2022202834

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Mar 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	112 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Transaction Type	Mortgage
Record Updated	Mar 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716

Mortgage

Document Number	0000049684
Date	Feb 26, 2021
Book Page	11597/1692
Instrument	2021049684

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

December 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 12, 2018
Property Address	112 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number	0106950365
Book / Page	010695 / 000365
Instrument Date	Dec 7, 2018
Instrument	257031
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 27, 2018
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,598.66
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 WATERSIDE CIR WINTER HAVEN FL 338804716, WINTER HAVEN, FL 33880-4716

Mortgage

Document Number	106950366
Date	Dec 12, 2018
Book Page	010695/000366
Instrument	257032

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 11, 2048

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 23, 2018
Property Address	112 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number	0104331079
Book / Page	010433 / 001079
Instrument Date	Mar 22, 2018
Instrument	63685
Transaction Type	Transfer
Record Updated	Apr 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,920.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2295 WINTER HAVEN FL 338832295, WINTER HAVEN, FL 33883-2295

Tax Assessment & Valuation

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		$248,697 (-1.48%) Land $52,000 Building $196,697	$248,697 (-1.48%) Land $52,000 Building $196,697
2025	$4,802.00 (-4.78%)	$252,435 (-3.62%) Land $52,000 Building $200,435	$252,435 (-3.62%) Land $52,000 Building $200,435
2023	$5,043.00 (+21.11%)	$261,929 (+9.33%) Land $50,000 Building $211,929	$261,929 (+9.33%) Land $50,000 Building $211,929
2022	$4,164.00	$239,580 Land $42,000 Building $197,580	$239,580 Land $42,000 Building $197,580

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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