187 Waterside Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 187 Waterside Cir, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,722 sqft · built 2018
Lot Size	0.129 acres (5,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$339,500 (Jul 2022)
Tax Bill	$2,349 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-658226-000370`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-658226-000370`
Alternative APNs	`332826658226000370` `32826000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,722 sqft Living Area
Gross Area	2,303 sqft
1st Floor Area	1,722 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	5,632 sqft (0.129 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Florida Room
Porch Area	165 sqft

Location & Zoning

Street Address	187 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 37
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	WATERSIDE VILLAGE
Legal Block	2
Legal Lot Number	37
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	187 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 27, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Mar 9, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Sep 20, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage DHI MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2022 · Amount on Record
Deed Sale	Jul 12, 2022 · Amount on Record
Prior Sale	Sep 20, 2018 · Amount on Record
Deed Document Number	2022189564
Deed Book / Page	12334 / 1537
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 12, 2022
Property Address	187 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727
Document Number	0000189564
Book / Page	12334 / 1537
Map Reference	MB 161 PG 41
Instrument Date	Jul 7, 2022
Instrument	2022189564
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FLORIDA PROFESSIONAL TITLE INC, FLORIDA PROFESSIONAL TTL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,376.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	187 WATERSIDE CIR, 187, WINTER HAVEN, FL 33880-4727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727

Mortgage

Document Number	0123341538
Date	Jul 12, 2022
Instrument	12334/1538

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	187 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 WATERSIDE CIR, WAHNETA, FL 33880-4727

Mortgage

Document Number	0000107226
Date	Apr 27, 2021
Book Page	11687/343
Instrument	2021107226

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	187 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727
Document Number	0111770471
Instrument Date	Mar 9, 2020
Transaction Type	Mortgage
Record Updated	Apr 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	187 WATERSIDE CIR WINTER HAVEN FL 338804727, WINTER HAVEN, FL 33880-4727

Mortgage

Document Number	0111770471
Date	Mar 16, 2020
Book Page	011177/000471
Instrument	60107

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

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

September 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Sep 20, 2018
Property Address	187 WATERSIDE CIR, WINTER HAVEN, FL 33880-4727
Document Number	0106170841
Book / Page	010617 / 000841
Instrument Date	Sep 17, 2018
Instrument	199437
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 5, 2018
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,515.15
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	187 WATERSIDE CIR WINTER HAVEN FL 338804727, WINTER HAVEN, FL 33880-4727

Mortgage

Document Number	106170842
Date	Sep 20, 2018
Book Page	010617/000842
Instrument	199438

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 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		$171,573 (+2.7%)	$240,252 (-1.27%) Land $52,000 Building $188,252
2025	$2,349.00 (+6.43%) Homeowner's exemption	$167,062 (+5.99%)	$243,348 (-3.74%) Land $52,000 Building $191,348
2023	$2,207.00 (-10.79%) Homeowner's exemption	$157,625 (-7.39%)	$252,806 (+10.59%) Land $50,000 Building $202,806
2022	$2,474.00	$170,201	$228,589 Land $42,000 Building $186,589

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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