196 Waterside Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 196 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	0.142 acres (6,199 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (May 2022)
Tax Bill	$3,771 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-658226-000220`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-658226-000220`
Alternative APNs	`332826658226000220` `32826000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,722 sqft Living Area
Gross Area	2,163 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	6,199 sqft (0.142 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	165 sqft

Location & Zoning

Street Address	196 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 22
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	WATERSIDE VILLAGE
Legal Block	2
Legal Lot Number	22
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2057
Census Tract	14005

Owner

196 Waterside Cir is owned by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	17274 BLAZING STAR CIR, CLERMONT, FL 34714-5151
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
May 4, 2022	Warranty Deed, Transfer · FHA Mortgage FIRST OPTION MORTGAGE LLC
Apr 17, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI DHI MTG
Mar 23, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2022 · Amount on File
Deed Sale	May 4, 2022 · Amount on File
Prior Sale	Apr 17, 2019 · Amount on File
Deed Document Number	2022121588
Deed Book / Page	12238 / 1487
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 4, 2022
Property Address	196 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number	0000121588
Book / Page	12238 / 1487
Map Reference	MB 161 PG 41&42
Instrument Date	Apr 26, 2022
Instrument	2022121588
Transaction Type	Transfer
Record Updated	May 18, 2022
Title Company	NU WORLD TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1592 TAMARIND RD, 1592, DAVENPORT, FL 33896-8606

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716

Mortgage

Document Number	0122381489
Date	May 4, 2022
Instrument	12238/1489

Lender

Name	FIRST OPTION MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

April 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Apr 17, 2019
Property Address	196 WATERSIDE CIR, WINTER HAVEN, FL 33880-4716
Document Number	0108131665
Book / Page	010813 / 001665
Instrument Date	Apr 15, 2019
Instrument	78776
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 WATERSIDE CIR WINTER HAVEN FL 338804716, WINTER HAVEN, FL 33880-4716

Mortgage

Document Number	108131666
Date	Apr 17, 2019
Book Page	010813/001666
Instrument	78777

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2049

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 23, 2018
Property Address	196 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 196 Waterside Cir was $3,771.

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		$238,746 (-1.28%) Land $52,000 Building $186,746	$238,746 (-1.28%) Land $52,000 Building $186,746
2025	$3,771.00	$241,843 Land $52,000 Building $189,843	$241,843 Land $52,000 Building $189,843
2023	$4,010.00 (+0.98%) Homeowner's exemption	$251,268 (+9.92%) Land $50,000 Building $201,268	$251,268 (+9.92%) Land $50,000 Building $201,268
2022	$3,971.00	$228,589 Land $42,000 Building $186,589	$228,589 Land $42,000 Building $186,589

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

Flood

FEMA maps place 196 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 196 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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