192 Waterside Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 192 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	0.142 acres (6,194 sqft)
Owner	2 Individual Names on Record
Last Sale	$219,995 (May 2019)
Tax Bill	$5,155 (2025)
Deeds & Mortgages	Jul 2020 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-658226-000210`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-658226-000210`
Alternative APNs	`332826658226000210` `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	6,194 sqft (0.142 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	464 sqft
Porch	Screened/Unfinished Porch
Porch Area	246 sqft

Location & Zoning

Street Address	192 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 21
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	WATERSIDE VILLAGE
Legal Block	2
Legal Lot Number	21
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	15014 N 61ST WAY, SCOTTSDALE, AZ 85254-2560
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage TCF NAT'L BK
May 16, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage BANK OF AMERICAN FORK
Mar 23, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2019 · Amount on Record
Deed Sale	May 16, 2019 · Amount on Record
Deed Document Number	2019101197
Deed Book / Page	10844 / 611
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	192 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number	0113291387
Instrument Date	Jul 25, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14818 CRANOKE ST CENTREVILLE VA 201201526, CENTREVILLE, VA 20120-1526

Mortgage

Document Number	0113291387
Date	Aug 11, 2020
Book Page	011329/001387
Instrument	161491

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2050

May 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	May 16, 2019
Property Address	192 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number	0108440611
Book / Page	010844 / 000611
Instrument Date	May 13, 2019
Instrument	101197
Transaction Type	Subdivision Related Transfer
Record Updated	May 31, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,539.96
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	14818 CRANOKE ST CENTREVILLE VA 201201526, CENTREVILLE, VA 20120-1526

Mortgage

Document Number	108440612
Date	May 16, 2019
Book Page	010844/000612
Instrument	101198

Lender

Name	BANK OF AMERICAN FORK
Type	Bank
Address	AMERICAN FORK, UT 84003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2049

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 23, 2018
Property Address	192 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 Recorded
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

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		$267,470 (-1.32%) Land $52,000 Building $215,470	$267,470 (-1.32%) Land $52,000 Building $215,470
2025	$5,155.00 (+5.81%)	$271,036 (-3.97%) Land $52,000 Building $219,036	$271,036 (-3.97%) Land $52,000 Building $219,036
2023	$4,872.00 (+8.63%)	$282,250 (+9.04%) Land $50,000 Building $232,250	$282,250 (+9.04%) Land $50,000 Building $232,250
2022	$4,485.00	$258,855 Land $42,000 Building $216,855	$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

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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