184 Waterside Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 184 Waterside Cir, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,046 sqft · built 2018
Lot Size	0.17 acres (7,410 sqft)
Owner	2 Individual Names on File
Last Sale	$229,678 (Dec 2018)
Tax Bill	$3,151 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-658226-000190`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-658226-000190`
Alternative APNs	`332826658226000190` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,046 sqft Living Area
Gross Area	2,510 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	7,410 sqft (0.17 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	464 sqft
Porch	Screened/Unfinished Porch
Porch Area	246 sqft

Location & Zoning

Street Address	184 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 19
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	WATERSIDE VILLAGE
Legal Block	2
Legal Lot Number	19
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2057
Census Tract	14005

Owner

184 Waterside Cir is owned and occupied by two individuals who bought it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	184 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
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
Mar 9, 2020	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
Dec 28, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage DHI MTG
Mar 23, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2018 · Amount on File
Deed Sale	Dec 28, 2018 · Amount on File
Deed Document Number	2018267412
Deed Book / Page	10708 / 1863
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	184 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number	0111761491
Instrument Date	Mar 9, 2020
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	184 WATERSIDE CIR WINTER HAVEN FL 338804716, WINTER HAVEN, FL 33880-4716

Mortgage

Document Number	0111761491
Date	Mar 16, 2020
Book Page	011176/001491
Instrument	59617

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2050

December 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 28, 2018
Property Address	184 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number	0107081863
Book / Page	010708 / 001863
Instrument Date	Dec 20, 2018
Instrument	267412
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 14, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,607.75
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	184 WATERSIDE CIR WINTER HAVEN FL 338804716, WINTER HAVEN, FL 33880-4716

Mortgage

Document Number	107081864
Date	Dec 28, 2018
Book Page	010708/001864
Instrument	267413

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 27, 2048

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 23, 2018
Property Address	184 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number	0104331079
Book / Page	010433 / 001079
Instrument Date	Mar 22, 2018
Instrument	63685
Transaction Type	Transfer
Record Updated	Apr 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$3,920.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2295 WINTER HAVEN FL 338832295, WINTER HAVEN, FL 33883-2295

Tax Assessment & Valuation

The 2025 property tax bill for 184 Waterside Cir was $3,151 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		$214,868 (+2.7%)	$267,470 (-1.32%) Land $52,000 Building $215,470
2025	$3,151.00 Homeowner's exemption	$209,219	$271,036 Land $52,000 Building $219,036
2023	$2,973.00 (+2.84%) Homeowner's exemption	$197,401 (+3%)	$282,250 (+9.04%) Land $50,000 Building $232,250
2022	$2,891.00 Homeowner's exemption	$191,651	$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 184 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 184 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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