149 Waterside Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 149 Waterside Cir, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,262 sqft · built 2018
Lot Size	0.205 acres (8,934 sqft)
Owner	2 Individual Names on File
Last Sale	$233,685 (Nov 2018)
Tax Bill	$3,537 (2025)
Deeds & Mortgages	Jul 2022 Transfer Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-658226-000400`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-658226-000400`
Alternative APNs	`332826658226000400` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,262 sqft Living Area
Gross Area	2,726 sqft
1st Floor Area	2,046 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	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	8,934 sqft (0.205 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	464 sqft
Porch	Florida Room
Porch Area	246 sqft

Location & Zoning

Street Address	149 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 40
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	WATERSIDE VILLAGE
Legal Block	2
Legal Lot Number	40
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2057
Census Tract	14005

Owner

149 Waterside Cir is owned and occupied by two individuals who acquired it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	149 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.

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2022	Intrafamily Transfer, Transfer
Nov 16, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage DHI MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2018 · Amount on File
Deed Sale	Nov 16, 2018 · Amount on File
Prior Sale	Jan 1, 2017 · Amount on File
Deed Document Number	2018240429
Deed Book / Page	10672 / 2057
Last Transfer Date	Jul 11, 2022
Transfer Doc	0000188404
Record Updated	Oct 29, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Jul 11, 2022
Property Address	149 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727
Document Number	0000188404
Book / Page	12333 / 473
Map Reference	MB 161 PG 41&42
Instrument Date	Jul 11, 2022
Instrument	2022188404
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	149 WATERSIDE CIR, 149, WINTER HAVEN, FL 33880-4727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 WALTERSIDE CIR, WINTER HAVEN, FL 33880-4727
Investor	Possibly a Property Investor

November 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Nov 16, 2018
Property Address	149 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727
Document Number	0106722057
Book / Page	010672 / 002057
Instrument Date	Nov 14, 2018
Instrument	240429
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 5, 2018
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,635.80
Amount Accuracy	Confirmed
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	149 WATERSIDE CIR WINTER HAVEN FL 33880, WINTER HAVEN, FL 33880

Mortgage

Document Number	106722058
Date	Nov 16, 2018
Book Page	010672/002058
Instrument	240430

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 149 Waterside Cir was $3,537 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		$235,744 (+2.7%)	$278,149 (-2.56%) Land $52,000 Building $226,149
2025	$3,537.00 Homeowner's exemption	$229,546	$285,462 Land $52,000 Building $233,462
2023	$3,252.00 (+2.78%) Homeowner's exemption	$211,862 (+3%)	$292,079 (+12.83%) Land $50,000 Building $242,079
2022	$3,164.00 Homeowner's exemption	$205,691	$258,855 Land $42,000 Building $216,855

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

Flood

FEMA maps place 149 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 149 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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