20 Cactus Cir E, Winter Haven, FL 33880 Property Records

Polk County property record for 20 Cactus Cir E, Winter Haven, FL 33880 · Last verified July 2026

Property Summary

Property Type	Mobile Home
Details	1,680 sqft · built 1997
Lot Size	1.22 acres (53,309 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Jan 2008)
Tax Bill	$371 (2025)
Deeds & Mortgages	Sep 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-29-03-357011-000340`

Property Details

APN / Parcel Number

Primary APN	`25-29-03-357011-000340`
Alternative APNs	`032925357011000340` `32925000`

Interior

Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Mobile Home
Lot Area	53,309 sqft
Lot Dimensions	533 ft deep x 100 ft wide

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	240 sqft
Shed	1 Shed
Lean-To	208 sqft

Location & Zoning

Street Address	20 CACTUS CIR E
City	WINTER HAVEN
State	FL
Zip	33880-5083
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	THORNHILL ESTATES PB 88 PG 15 LOT 34
Legal Range	25E
Legal Township	29S
Legal Section	03
Legal Subdivision	THORNHILL ESTATES
Legal Tract	357011
Legal Block	2
Legal Lot Number	34
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2017
Census Tract	14704

Owner

Source: Polk County records · APN 25-29-03-357011-000340

Assessment roll updated June 23, 2026 · Last verified July 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 File
Mailing Address	20 CACTUS CIR E, WINTER HAVEN, FL 33880-5083
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 31, 2008 · Amount on Record
Deed Sale	Jan 31, 2008 · Amount on Record
Prior Sale	Mar 25, 1997
Deed Document Number	200817984
Deed Book / Page	7544 / 413
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	20 CACTUS CIR E, WINTER HAVEN, FL 33880-5083
Transaction Type	Mortgage
Record Updated	Oct 02, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CACTUS CIR E, WINTER HAVEN, FL 33880-5083

Mortgage

Document Number	0000219644
Date	Sep 18, 2023
Book Page	12841/523
Instrument	2023219644

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 01, 2043

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$371.00 (-55.52%) Homeowner's exemption	$59,191 (+5.99%)	$187,726 (+11.91%) Land $21,100 Building $166,626
2023	$834.00 (+4.38%) Homeowner's exemption	$55,848 (+3%)	$167,742 (+7.82%) Land $20,100 Building $147,642
2022	$799.00 Homeowner's exemption	$54,221	$155,569 Land $16,600 Building $138,969

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050147042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Cost	Premium on Record median of 6 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 in force 5 of 6 on primary residences

Wildfire

Wildfire Risk	Moderate above 59% of the US · above 32% of Florida
Wildfire Likelihood	About 1 in 379 per year
Exposure	Direct burnable vegetation at the parcel

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.