Polk County property record for 133 Waterside Cir, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,080 sqft · built 2017 |
| Lot Size | 0.129 acres (5,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $226,290 (Oct 2017) |
| Tax Bill | $3,198 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jul 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-33-658226-000440 |
| Primary APN | 26-28-33-658226-000440 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,080 sqft Living Area |
| Gross Area | 2,726 sqft |
| 1st Floor Area | 2,080 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 5,632 sqft (0.129 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 430 sqft |
| Porch | Florida Room |
| Porch Area | 246 sqft |
| Street Address | 133 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 44 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 33 |
| Legal Subdivision | WATERSIDE VILLAGE |
| Legal Block | 2 |
| Legal Lot Number | 44 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2057 |
| Census Tract | 14005 |
133 Waterside Cir is owned and occupied by two individuals who bought it in October 2017.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 133 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC |
| Jul 14, 2021 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2017 · Amount on File |
| Deed Sale | Oct 2, 2017 · Amount on File |
| Prior Sale | Jan 1, 2017 · Amount on File |
| Deed Document Number | 2017186631 |
| Deed Book / Page | 10272 / 2226 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 133 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 133 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727 |
| Document Number | 0000241462 |
|---|---|
| Date | Sep 16, 2021 |
| Book Page | 11894/711 |
| Instrument | 2021241462 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 310 Months |
| Due | Jul 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 133 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 133 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727 |
| Document Number | 0000181684 |
|---|---|
| Date | Jul 14, 2021 |
| Book Page | 11801/270 |
| Instrument | 2021181684 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jul 1, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 133 Waterside Cir was $3,198 with a homeowner's exemption.
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 | $217,443 (+2.7%) | $268,449 (-1.32%) Land $52,000 Building $216,449 | |
| 2025 | $3,198.00 Homeowner's exemption | $211,726 | $272,052 Land $52,000 Building $220,052 |
| 2023 | $3,019.00 (+2.86%) Homeowner's exemption | $199,766 (+3%) | $283,316 (+9.08%) Land $50,000 Building $233,316 |
| 2022 | $2,935.00 Homeowner's exemption | $193,948 | $259,739 Land $42,000 Building $217,739 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 133 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 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 File 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.
Wildfire risk around 133 Waterside Cir is low, with a 0.01% annual chance of 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 |
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 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 Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Frontier.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures