Polk County property record for 116 Waterside Cir, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,046 sqft · built 2018 |
| Lot Size | 0.132 acres (5,754 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $236,700 (Nov 2018) |
| Tax Bill | $3,119 (2025) |
| Deeds & Mortgages | Nov 2018 Sale & Mortgage Mar 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-33-658226-000040 |
| Primary APN | 26-28-33-658226-000040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,046 sqft Living Area |
| Gross Area | 2,726 sqft |
| 1st Floor Area | 2,046 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 464 sqft |
| Porch | Florida Room |
| Porch Area | 246 sqft |
| Street Address | 116 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 4 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 33 |
| Legal Subdivision | WATERSIDE VILLAGE |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2057 |
| Census Tract | 14005 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 116 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 1, 2018 | Grant Deed, Subdivision Related Transfer · FHA Mortgage DHI MTG |
| Mar 23, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 2018 · Amount on Record |
| Deed Sale | Nov 1, 2018 · Amount on Record |
| Deed Document Number | 2018229940 |
| Deed Book / Page | 10658 / 1831 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 1, 2018 |
| Property Address | 116 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716 |
| Document Number | 0106581831 |
| Book / Page | 010658 / 001831 |
| Instrument Date | Oct 26, 2018 |
| Instrument | 229940 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 4, 2021 |
| Title Company | DHI TITLE/FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,657.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 116 WATERSIDE CIR WINTER HAVEN FL 338804716, WINTER HAVEN, FL 33880-4716 |
| Document Number | 106581832 |
|---|---|
| Date | Nov 1, 2018 |
| Book Page | 010658/001832 |
| Instrument | 229941 |
| Name | DHI MTG |
|---|---|
| Type | Mortgage Company |
| Address | AUSTIN, TX 78750 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 31, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 23, 2018 |
| Property Address | 116 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 |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,920.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 2295 WINTER HAVEN FL 338832295, WINTER HAVEN, FL 33883-2295 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $213,167 (+2.7%) | $270,115 (-1.3%) Land $52,000 Building $218,115 | |
| 2025 | $3,119.00 (+5.98%) Homeowner's exemption | $207,563 (+5.99%) | $273,680 (-3.96%) Land $52,000 Building $221,680 |
| 2023 | $2,943.00 (+2.87%) Homeowner's exemption | $195,838 (+3%) | $284,951 (+10.8%) Land $50,000 Building $234,951 |
| 2022 | $2,861.00 Homeowner's exemption | $190,134 | $257,177 Land $42,000 Building $215,177 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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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