Polk County property record for 196 Durrell Cir, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,402 sqft · built 1973 |
| Lot Size | 0.202 acres (8,799 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $205,000 (Jun 2026) |
| Tax Bill | $2,619 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jun 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-36-663000-000334 |
| Primary APN | 26-28-36-663000-000334 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,402 sqft Living Area |
| Gross Area | 1,885 sqft |
| 1st Floor Area | 1,402 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,799 sqft (0.202 acres) |
| Lot Dimensions | 110 ft deep x 80 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Pool House | Pool House |
|---|---|
| Porch | Slab |
| Porch Area | 70 sqft |
| Patio Area | 290 sqft |
| Cooling System | Central |
|---|
| Street Address | 196 DURRELL CIR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | FLA HIGHLANDS CO SUB PB 3 PG 27 LOT 3 E 110 FT OF W 945 FT OF N 80 FT OF S 330 FT OF N1/2 OF NW1/4 OF SW1/4 BEING LOT 130 OF UNREC GARDEN GROVE PINES |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 36 |
| Legal Subdivision | FLORIDA HIGHLAND CO SUBDIVISION |
| Legal Tract | 663000 |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 14001 |
Source: Polk County records, as of October 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 196 DURRELL CIR, WINTER HAVEN, FL 33884-2306 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Aug 20, 2021 | Deed of Trust, Mortgage · Unknown MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS |
| Jun 11, 2026 | Special Warranty Deed, Transfer · Conventional Mortgage UI EMPLOYEES FEDERAL CREDIT UNION |
| Jul 28, 2021 | Intrafamily Transfer, Transfer OS NATIONAL LLC |
| Oct 29, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| May 10, 2018 | Quit Claim Deed, Transfer OS NATIONAL LLC |
| May 17, 2018 | Loan Modification, Mortgage · Line of Credit JP MORGAN CHASE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 11, 2026 · Amount on Record |
| Deed Sale | Jun 11, 2026 · Amount on Record |
| Prior Sale | Jun 4, 2013 · Amount on Record |
| Deed Document Number | 2026140057 |
| Deed Book / Page | 14034 / 2185 |
| Prior Transfer Date | Jul 15, 2021 |
| Prior Transfer Doc | 0000195893 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 196 DURRELL CIR, WINTER HAVEN, FL 33884-2306 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000218240 |
|---|---|
| Date | Aug 20, 2021 |
| Book Page | 11857/831 |
| Instrument | 2021218240 |
| Name | MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS |
|---|---|
| Type | Mortgage Company |
| Type | Unknown |
|---|---|
| Amount | Amount Recorded |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 11, 2026 |
| Property Address | 196 DURRELL CIR, WINTER HAVEN, FL 33884-2306 |
| Document Number | 0000140057 |
| Book / Page | 14034 / 2185 |
| Instrument Date | May 21, 2026 |
| Instrument | 2026140057 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2026 |
| Title Company | FIRST PRIORITY TITLE COMPANY, FIRST INTEGRITY TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $144,935.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 196 DURRELL CIR, WINTER HAVEN, FL 33884-2306 |
| Document Number | 0000140058, |
|---|---|
| Date | Jun 11, 2026 |
| Instrument | 2026140058 |
| Name | UI EMPLOYEES FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 28, 2021 |
| Property Address | 196 DURRELL CIR, WINTER HAVEN, FL 33884-2306 |
| Document Number | 0000195893 |
| Book / Page | 11822 / 1584 |
| Instrument Date | Jul 15, 2021 |
| Instrument | 2021195893 |
| Transaction Type | Transfer |
| Record Updated | May 31, 2022 |
| Title Company | OS NATIONAL LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261 |
| Investor | Possibly a Property Investor |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 29, 2018 |
| Property Address | 196 DURRELL CIR, WINTER HAVEN, FL 33884-2306 |
| Document Number | 0106550476 |
| Book / Page | 010655 / 000476 |
| Instrument Date | Oct 25, 2018 |
| Instrument | 227300 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,210.60 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 196 DURRELL CIR WINTER HAVEN FL 338842306, WINTER HAVEN, FL 33884-2306 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 10, 2018 |
| Property Address | 196 DURRELL CIR, WINTER HAVEN, FL 33884-2306 |
| Document Number | 0104802036 |
| Book / Page | 010480 / 002036 |
| Instrument Date | May 8, 2018 |
| Instrument | 100129 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2018 |
| Title Company | OS NATIONAL LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 1717 MAIN ST #2000 DALLAS TX 752014657, 2000, DALLAS, TX 75201-4657 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 17, 2018 |
| Property Address | 196 DURRELL CIR, WINTER HAVEN, FL 33884-2306 |
| Document Number | 0104880808 |
| Book / Page | 010488 / 000808 |
| Instrument Date | May 8, 2018 |
| Instrument | 105600 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2018 |
| Title Company | OS NATIONAL LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 345 PARK AVE NEW YORK NY 101540004, NEW YORK, NY 10154-0004 |
| Document Number | 104880808 |
|---|---|
| Date | May 17, 2018 |
| Book Page | 010488/000808 |
| Instrument | 105600 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | 383 MADISON AVE, NEW YORK, NY 10179-0001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $194,954 (-1.37%) Land $30,800 Building $164,154 | $194,954 (-1.37%) Land $30,800 Building $164,154 | |
| 2025 | $2,619.00 (-21.14%) | $197,653 (-1.78%) Land $30,800 Building $166,853 | $197,653 (-1.78%) Land $30,800 Building $166,853 |
| 2024 | $3,321.00 (+4.66%) | ||
| 2023 | $3,173.00 (+8.48%) | $201,242 (+11.06%) Land $29,920 Building $171,322 | $201,242 (+11.06%) Land $29,920 Building $171,322 |
| 2022 | $2,925.00 | $181,200 Land $24,640 Building $156,560 | $181,200 Land $24,640 Building $156,560 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1998 · Severe Storms, High Winds, Tornadoes, And Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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