137 Waterside Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 137 Waterside Cir, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,556 sqft · built 2017
Lot Size	0.129 acres (5,632 sqft)
Owner	2 Individual Names on File
Last Sale	$232,800 (Sep 2018)
Tax Bill	$3,348 (2025)
Deeds & Mortgages	Sep 2018 Sale & Mortgage Feb 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-658226-000430`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-658226-000430`
Alternative APNs	`332826658226000430` `32826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,556 sqft Living Area
Gross Area	2,976 sqft
1st Floor Area	1,388 sqft
Upper Floors Area	1,168 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	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	420 sqft
Porch	Finished/Open Porch
Porch Area	206 sqft

Location & Zoning

Street Address	137 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 43
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	WATERSIDE VILLAGE
Legal Block	2
Legal Lot Number	43
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2057
Census Tract	14005

Owner

137 Waterside Cir is owned and occupied by two individuals who bought it in September 2018.

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 Record	2 Individual Names on File
Mailing Address	137 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2018	Warranty Deed, Transfer · Conventional with PMI MIDFLORIDA CU ISAOA
Feb 13, 2018	Grant Deed, Subdivision Related Transfer DHI TITLE/FL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2018 · Amount on File
Deed Sale	Sep 4, 2018 · Amount on File
Prior Sale	Feb 13, 2018 · Amount on File
Deed Document Number	2018187277
Deed Book / Page	10600 / 1681
Prior Transfer Date	Aug 31, 2018
Prior Transfer Doc	0000187277
Record Updated	Oct 29, 2026

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 4, 2018
Property Address	137 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727
Document Number	0106001681
Book / Page	010600 / 001681
Instrument Date	Aug 31, 2018
Instrument	187277
Transaction Type	Transfer
Record Updated	Sep 17, 2018
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,629.60

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	137 WATERSIDE CIR WINTER HAVEN FL 338804727, WINTER HAVEN, FL 33880-4727

Mortgage

Document Number	106001682
Date	Sep 4, 2018
Book Page	010600/001682
Instrument	187278

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 3, 2048

February 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Feb 13, 2018
Property Address	137 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727
Document Number	0103950087
Book / Page	010395 / 000087
Instrument Date	Feb 8, 2017
Instrument	32557
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 27, 2018
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Tax	$1,581.93
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4729 EMERALD PALMS CT WINTER HAVEN FL 338843595, WINTER HAVEN, FL 33884-3595

Tax Assessment & Valuation

The 2025 property tax bill for 137 Waterside Cir was $3,348 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 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
2026		$225,519 (+2.7%)	$285,482 (-0.81%) Land $52,000 Building $233,482
2025	$3,348.00 Homeowner's exemption	$219,590	$287,806 Land $52,000 Building $235,806
2023	$3,162.00 (+2.83%) Homeowner's exemption	$207,185 (+3%)	$296,458 (+18.26%) Land $50,000 Building $246,458
2022	$3,075.00 Homeowner's exemption	$201,150	$250,686 Land $42,000 Building $208,686

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

Flood

FEMA maps place 137 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	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 137 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.

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 Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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