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117 Waterside Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 117 Waterside Cir, Winter Haven, FL 33880

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,847 sqft · built 2017
Lot Size0.206 acres (8,956 sqft)
Owner2 Individual Names on File
Last Sale$229,000 (May 2019)
Tax Bill$2,517 (2025)
Deeds & MortgagesAug 2026 Line of Credit
Jun 2017 Sale
Flood ZoneZone X (minimal risk)
APN26-28-33-658226-000480

Property Details

APN / Parcel Number

Primary APN26-28-33-658226-000480
Alternative APNs
  • 332826658226000480
  • 32826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,847 sqft Living Area
Gross Area2,287 sqft
1st Floor Area1,847 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeHip
Roof MaterialOther
Lot Area8,956 sqft (0.206 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area440 sqft
PorchFinished/Open Porch
Porch Area201 sqft

Location & Zoning

Street Address117 WATERSIDE CIR
CityWINTER HAVEN
StateFL
Zip33880-4727
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWATERSIDE VILLAGE PB 161 PG 41-42 LOT 48
Legal Range26E
Legal Township28S
Legal Section33
Legal SubdivisionWATERSIDE VILLAGE
Legal Block2
Legal Lot Number48
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2057
Census Tract14005

Owner

117 Waterside Cir is owned and occupied by two individuals who bought it in May 2019.

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

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

Owner of Record2 Individual Names on File
Mailing Address117 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 17, 2026Deed of Trust, Mortgage · Line of Credit
MIDFLORIDA CREDIT UNION
Jun 19, 2017Grant Deed, Subdivision Related Transfer
DHI TITLE/FL INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 13, 2019 · Amount on File
Deed SaleMay 13, 2019 · Amount on File
Prior SaleJun 19, 2017 · Amount on File
Deed Document Number201997058
Deed Book / Page10838 / 1712
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Recording DateAug 17, 2026
Property Address117 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727
Document Number0000198805
Book / Page14119 / 551
Instrument DateAug 8, 2026
Instrument2026198805
Transaction TypeMortgage
Record UpdatedSep 9, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address3008 S FLORIDA AVE, LAKELAND, FL 33803-4035

Mortgage

Document Number0000198805,
DateAug 17, 2026
Book Page14119/551
Instrument2026198805
Lender
NameMIDFLORIDA CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount on Record
Term240 Months
DueAug 15, 2046
Interest
Max Rate-1%

June 2017: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateJun 19, 2017
Property Address117 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727
Document Number0101800775
Book / Page010180 / 000775
Instrument DateJun 16, 2017
Instrument116630
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 18, 2017
Title CompanyDHI TITLE/FL INC

Transaction

AmountAmount on Record
Tax$1,470.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address117 WATERSIDE CIR WINTER HAVEN FL 33880, WINTER HAVEN, FL 33880

Tax Assessment & Valuation

The 2025 property tax bill for 117 Waterside Cir was $2,517 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$180,648 (+2.7%)$247,932 (-1.3%) Land $52,000 Building $195,932
2025$2,517.00 Homeowner's exemption$175,899$251,206 Land $52,000 Building $199,206
2023$2,368.00 (+3.05%) Homeowner's exemption$165,963 (+3%)$261,236 (+9.17%) Land $50,000 Building $211,236
2022$2,298.00 Homeowner's exemption$161,129$239,291 Land $42,000 Building $197,291

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

Flood

FEMA maps place 117 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 33 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies33 in force
Nearby Flood Claims13 (1978–2026)
Claims Outside the SFHA6 of 13
Most Recent ClaimJun 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 117 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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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

ProviderMax 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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