129 Waterside Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 129 Waterside Cir, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,847 sqft · built 2017
Lot Size	0.129 acres (5,632 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Apr 2023)
Tax Bill	$3,984 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Feb 2023 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-658226-000450`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-658226-000450`
Alternative APNs	`332826658226000450` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,847 sqft Living Area
Gross Area	2,458 sqft
1st Floor Area	1,847 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	5,632 sqft (0.129 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft
Porch	Florida Room
Porch Area	201 sqft

Location & Zoning

Street Address	129 WATERSIDE CIR
City	WINTER HAVEN
State	FL
Zip	33880-4727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERSIDE VILLAGE PB 161 PG 41-42 LOT 45
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	WATERSIDE VILLAGE
Legal Block	2
Legal Lot Number	45
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2057
Census Tract	14005

Owner

Source: Polk County assessment roll, 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 Record	Individual Name on File
Mailing Address	129 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 20, 2023	Trustee's Deed, Foreclosure Foreclosure Auction
Nov 2, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage DHI MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 13, 2023 · Amount on Record
Deed Sale	Apr 13, 2023 · Amount on Record
Prior Sale	Feb 20, 2023 · Amount on Record
Deed Document Number	202384749
Deed Book / Page	12650 / 985
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 13, 2023
Property Address	129 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727
Document Number	0000084749
Book / Page	12650 / 985
Map Reference	MB 161 PG 41&42
Instrument Date	Apr 6, 2023
Instrument	2023084749
Transaction Type	Transfer
Record Updated	Apr 26, 2023
Title Company	BAXTER TITLE S LLC, BAXTER TITLE SOUTH LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	567 W 186TH ST # ST52, ST52, NEW YORK, NY 10033-2708

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 WATERSIDE CIR, WAHNETA, FL 33880-4727

Mortgage

Document Number	0012650987
Date	Apr 13, 2023
Instrument	12650/987

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

February 2023: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	POLK FL
Recording Date	Feb 20, 2023
Property Address	129 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727
Document Number	0000040176
Book / Page	12588 / 258
Map Reference	MB 161 PG 41&42
Instrument Date	Feb 20, 2023
Instrument	2023040176
Transaction Type	Foreclosure
Record Updated	Mar 6, 2023

Transaction

Amount	Amount Recorded
Tax	$581.70
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	567 W 186TH ST APT 52, 52, NEW YORK, NY 10033-2743

November 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Nov 2, 2017
Property Address	129 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727
Document Number	0103032034
Book / Page	010303 / 002034
Instrument Date	Oct 27, 2017
Instrument	210551
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 15, 2018
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,461.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4510 LAKE JAMES RD MARION NC 287528948, MARION, NC 28752-8948

Mortgage

Document Number	103032035
Date	Nov 2, 2017
Book Page	010303/002035
Instrument	210552

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$3,984.00 (-11.92%) Homeowner's exemption	$253,026 (-3.83%) Land $52,000 Building $201,026	$253,026 (-3.83%) Land $52,000 Building $201,026
2023	$4,523.00 (+9.12%)	$263,094 (+10.68%) Land $50,000 Building $213,094	$263,094 (+10.68%) Land $50,000 Building $213,094
2022	$4,145.00	$237,697 Land $42,000 Building $195,697	$237,697 Land $42,000 Building $195,697

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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 181 locations within half a mile, as of December 31, 2025

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

May also be available: Frontier.

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