1240 Normandy Heights Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 1240 Normandy Heights Cir, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,039 sqft · built 2008
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (May 2008)
Tax Bill	$1,339 (2025)
Deeds & Mortgages	Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-31-641447-000030`

Property Details

APN / Parcel Number

Primary APN	`26-28-31-641447-000030`
Alternative APNs	`312826641447000030` `12826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,039 sqft Living Area
Gross Area	2,419 sqft
1st Floor Area	2,039 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	8,625 sqft (0.198 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	380 sqft
Porch	Screened/Unfinished Porch
Porch Area	300 sqft

Location & Zoning

Street Address	1240 NORMANDY HEIGHTS CIR
City	WINTER HAVEN
State	FL
Zip	33880-5361
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORMANDY HEIGHTS PB 140 PGS 40-42 LOT 3
Legal Range	26E
Legal Township	28S
Legal Section	31
Legal Subdivision	NORMANDY HEIGHTS
Legal Tract	641447
Legal Block	1
Legal Lot Number	3
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1007
Census Tract	14701

Owner

Source: Polk County records · APN 26-28-31-641447-000030

Assessment roll updated June 23, 2026 · Last verified July 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 File
Mailing Address	1240 NORMANDY HEIGHTS CIR, WINTER HAVEN, FL 33880-5361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 13, 2008 · Amount on Record
Deed Sale	May 13, 2008 · Amount on Record
Prior Sale	May 13, 2008 · Amount on Record
Deed Document Number	200881766
Deed Book / Page	7628 / 258
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1240 NORMANDY HEIGHTS CIR, WINTER HAVEN, FL 33880-5361
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1240 NORMANDY HEIGHTS CIR, WINTER HAVEN, FL 33880-5361

Mortgage

Document Number	0000214184
Date	Aug 05, 2022
Book Page	12369/2180
Instrument	2022214184

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2052

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,339.00 (+7.9%) Homeowner's exemption	$115,100 (+5.99%)	$252,634 (-1.37%) Land $50,000 Building $202,634
2023	$1,241.00 (+4.11%) Homeowner's exemption	$108,598 (+3%)	$256,139 (+7.05%) Land $48,000 Building $208,139
2022	$1,192.00 Homeowner's exemption	$105,435	$239,272 Land $40,000 Building $199,272

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	13 (1994–2022)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Frances, Sep 2004 · 2 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 5 claims

Wildfire

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Frontier.

Based on FCC filings for 363 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.