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124 Waterside Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 124 Waterside Cir, Winter Haven, FL 33880

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,556 sqft · built 2017
Lot Size0.132 acres (5,754 sqft)
Owner2 Individual Names on Record
Last Sale$350,000 (Apr 2023)
Tax Bill$5,450 (2025)
Deeds & MortgagesApr 2023 Sale & Mortgage
Sep 2022 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-28-33-658226-000060

Property Details

APN / Parcel Number

Primary APN26-28-33-658226-000060
Alternative APNs
  • 332826658226000060
  • 32826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,556 sqft Living Area
Gross Area2,976 sqft
1st Floor Area1,388 sqft
Upper Floors Area1,168 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeHip
Roof MaterialOther
Lot Area5,754 sqft (0.132 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch
Porch Area176 sqft

Location & Zoning

Street Address124 WATERSIDE CIR
CityWINTER HAVEN
StateFL
Zip33880-4716
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWATERSIDE VILLAGE PB 161 PG 41-42 LOT 6
Legal Range26E
Legal Township28S
Legal Section33
Legal SubdivisionWATERSIDE VILLAGE
Legal Block2
Legal Lot Number6
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2057
Census Tract14005

Owner

Source: Polk County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address5543 PEBBLE BEACH DR, LAKELAND, FL 33812-1218
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Apr 3, 2023Warranty Deed, Transfer · Conventional Mortgage
HOME ACCESS FINANCIAL LLC
Sep 26, 2022Warranty Deed, Transfer
OS NATIONAL LLC
May 29, 2018Grant Deed, Subdivision Related Transfer · FHA Mortgage
EQUITY PRIME MTG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 3, 2023 · Amount on Record
Deed SaleApr 3, 2023 · Amount on Record
Prior SaleSep 26, 2022 · Amount on Record
Deed Document Number202376424
Deed Book / Page12638 / 1323
Record UpdatedSep 20, 2026

April 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateApr 3, 2023
Property Address124 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number0000076424
Book / Page12638 / 1323
Map ReferenceMB 161 PG 41&42
Instrument DateMar 28, 2023
Instrument2023076424
Transaction TypeTransfer
Record UpdatedApr 14, 2023
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,450.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

NameVerified Name
Address5543 PEBBLE BEACH DR, LAKELAND, FL 33812-1218

Mortgage

Document Number0126381325
DateApr 3, 2023
Instrument12638/1325
Lender
NameHOME ACCESS FINANCIAL LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2053

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateSep 26, 2022
Property Address124 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number0000259375
Book / Page12432 / 68
Map ReferenceMB 161 PG 41&42
Instrument DateSep 20, 2022
Instrument2022259375
Transaction TypeTransfer
Record UpdatedOct 13, 2022
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
Tax$2,195.20
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address124 WATBIDE CIRCLE, 124, WINTER HAVEN, FL 33880

Transferred To (Grantee/Buyer)

NameVerified Name
Address410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
InvestorPossibly a Property Investor

May 2018: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateMay 29, 2018
Property Address124 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number0104982017
Book / Page010498 / 002017
Instrument DateMay 22, 2018
Instrument113980
Transaction TypeSubdivision Related Transfer
Record UpdatedJun 19, 2018
Title CompanyDHI TITLE/FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,550.47
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address124 WATERSIDE CIR WINTER HAVEN FL 338804716, WINTER HAVEN, FL 33880-4716

Mortgage

Document Number104982018
DateMay 29, 2018
Book Page010498/002018
Instrument113981
Lender
NameEQUITY PRIME MTG
AddressATLANTA, GA 30328
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 28, 2048

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025$5,450.00 (-4.1%)$286,527 (-2.92%) Land $52,000 Building $234,527$286,527 (-2.92%) Land $52,000 Building $234,527
2023$5,683.00 (+23.57%)$295,151 (+18.17%) Land $50,000 Building $245,151$295,151 (+18.17%) Land $50,000 Building $245,151
2022$4,599.00$249,762 Land $42,000 Building $207,762$249,762 Land $42,000 Building $207,762

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

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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