140 Waterside Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 140 Waterside Cir, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,743 sqft · built 2018
Lot Size	0.132 acres (5,754 sqft)
Owner	2 Individual Names on Record
Last Sale	$111,000 (Oct 2021)
Tax Bill	$4,640 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-658226-000100`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-658226-000100`
Alternative APNs	`332826658226000100` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,743 sqft Living Area
Gross Area	2,303 sqft
1st Floor Area	1,743 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	5,754 sqft (0.132 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Florida Room
Porch Area	160 sqft

Location & Zoning

Street Address	140 WATERSIDE CIR
City	WINTER HAVEN
State	FL
Zip	33880-4716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERSIDE VILLAGE PB 161 PG 41-42 LOT 10
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	WATERSIDE VILLAGE
Legal Block	2
Legal Lot Number	10
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2057
Census Tract	14005

Owner

Source: Polk County records, as of September 28, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	140 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Quit Claim Deed, Transfer · FHA Mortgage EMM LOANS LLC
Dec 17, 2020	Warranty Deed, Transfer · FHA Mortgage CARRINGTON MTG SVCS
Feb 20, 2018	Grant Deed, Subdivision Related Transfer · Conventional with PMI DHI MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2021 · Amount on Record
Deed Sale	Oct 5, 2021 · Amount on Record
Prior Sale	Dec 17, 2020 · Amount on Record
Deed Document Number	2021259447
Deed Book / Page	11923 / 1919
Prior Transfer Date	Sep 21, 2021
Prior Transfer Doc	0000259447
Record Updated	Oct 29, 2026

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Oct 5, 2021
Property Address	140 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number	0000259447
Book / Page	11923 / 1919
Map Reference	MB 161 PG 41&42
Instrument Date	Sep 21, 2021
Instrument	2021259447
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Tax	$777.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	140 WATERSIDE CIR, 140, WINTER HAVEN, FL 33880-4716

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716

Mortgage

Document Number	0119231922
Date	Oct 5, 2021
Instrument	11923/1922

Lender

Name	EMM LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 17, 2020
Property Address	140 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number	0115010164
Book / Page	011501 / 000164
Instrument Date	Dec 1, 2020
Instrument	273780
Transaction Type	Transfer
Record Updated	Jan 6, 2021
Title Company	SMART TITLE II LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	140 WATERSIDE CIR WINTER HAVEN FL 338804716, WINTER HAVEN, FL 33880-4716

Mortgage

Document Number	115010166
Date	Dec 17, 2020
Book Page	011501/000166
Instrument	273781

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	408 Months
Due	Dec 16, 2054

February 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Feb 20, 2018
Property Address	140 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number	0104012191
Book / Page	010401 / 002191
Instrument Date	Feb 15, 2018
Instrument	38509
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2018
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,455.46
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 WATERSIDE CIR WINTER HAVEN FL 338804716, WINTER HAVEN, FL 33880-4716

Mortgage

Document Number	104012192
Date	Feb 20, 2018
Book Page	010401/002192
Instrument	38510

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2048

Tax Assessment & Valuation

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		$240,807 (-1.28%) Land $52,000 Building $188,807	$240,807 (-1.28%) Land $52,000 Building $188,807
2025	$4,640.00 (+5.84%)	$243,940 (-3.77%) Land $52,000 Building $191,940	$243,940 (-3.77%) Land $52,000 Building $191,940
2023	$4,384.00 (+8.7%)	$253,501 (+9.26%) Land $50,000 Building $203,501	$253,501 (+9.26%) Land $50,000 Building $203,501
2022	$4,033.00	$232,007 Land $42,000 Building $190,007	$232,007 Land $42,000 Building $190,007

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

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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