Polk County property record for 2004 Varner Cir, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,698 sqft · built 1978 |
| Lot Size | 0.265 acres (11,556 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $380,500 (Dec 2025) |
| Tax Bill | $2,997 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Dec 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-02-000000-042150 |
| Primary APN | 26-29-02-000000-042150 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,698 sqft Living Area |
| Gross Area | 2,218 sqft |
| 1st Floor Area | 1,698 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 11,556 sqft (0.265 acres) |
| Lot Dimensions | 140 ft deep x 82 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 120 sqft |
| Patio Area | 426 sqft |
| Street Address | 2004 VARNER CIR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | N 82.5 FT OF S 277.5 FT OF W1/2 OF SW1/4 OF SE1/4 OF SW1/4 LESS W 190.97 FT BEING LOT 13 OF UNREC SURVEY |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 02 |
| Legal Subdivision | ELOISE WOODS DEXTER POINT |
| Legal Tract | 000000 |
| Legal Block | 2 |
| Legal Lot Number | 13 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 14006 |
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 | 2004 VARNER CIR, WINTER HAVEN, FL 33884-3139 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Dec 4, 2025 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage RESICENTRAL LLC |
| Dec 10, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 4, 2025 · Amount on Record |
| Deed Sale | Dec 4, 2025 · Amount on Record |
| Prior Sale | Mar 3, 2025 · Amount on Record |
| Deed Document Number | 2025283880 |
| Deed Book / Page | 13798 / 226 |
| Prior Transfer Date | Feb 25, 2025 |
| Prior Transfer Doc | 0000046412 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 4, 2025 |
| Property Address | 2004 VARNER CIR, WINTER HAVEN, FL 33884-3139 |
| Document Number | 0000283880 |
| Book / Page | 13798 / 226 |
| Instrument Date | Nov 24, 2025 |
| Instrument | 2025283880 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 17, 2025 |
| Title Company | UNKNOWN, GREEN LINE TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,663.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 550 N RIDGE AVE, LAKE ALFRED, FL 33850-2112 |
| Name | Verified Name |
|---|---|
| Address | 2004 VARNER CIR, WINTER HAVEN, FL 33884-3139 |
| Document Number | 0013798228 |
|---|---|
| Date | Dec 4, 2025 |
| Instrument | 13798/228 |
| Name | RESICENTRAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 10, 2020 |
| Property Address | 2004 VARNER CIR, WINTER HAVEN, FL 33884-3139 |
| Document Number | 0114891692 |
| Book / Page | 011489 / 001692 |
| Instrument Date | Dec 2, 2020 |
| Instrument | 266494 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2004 VARNER CIR WINTER HAVEN FL 338843139, WINTER HAVEN, FL 33884-3139 |
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 | $227,633 (+0.64%) Land $52,000 Building $175,633 | $227,633 (+0.64%) Land $52,000 Building $175,633 | |
| 2025 | $2,997.00 (+166.4%) | $226,183 (+98.07%) Land $52,000 Building $174,183 | $226,183 (-0.2%) Land $52,000 Building $174,183 |
| 2024 | $1,125.00 (+15.62%) | $114,193 (+3%) | $226,627 (+0.72%) Land $52,000 Building $174,627 |
| 2023 | $973.00 (+3.84%) Homeowner's exemption | $110,867 (+3%) | $225,007 (+3.68%) Land $50,000 Building $175,007 |
| 2022 | $937.00 Homeowner's exemption | $107,638 | $217,031 Land $42,000 Building $175,031 |
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.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 12 in force |
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 | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 105 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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