2005 Varner Cir, Winter Haven, FL 33884 Property Records

Polk County property record for 2005 Varner Cir, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,517 sqft · built 1979
Lot Size	0.265 acres (11,548 sqft)
Owner	2 Individual Names on Record
Last Sale	$66,000 (Apr 1995)
Tax Bill	$924 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`26-29-02-000000-042160`

Property Details

APN / Parcel Number

Primary APN	`26-29-02-000000-042160`
Alternative APNs	`022926000000042160` `22926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,517 sqft Living Area
Gross Area	2,221 sqft
1st Floor Area	1,517 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	11,548 sqft (0.265 acres)
Lot Dimensions	140 ft deep x 82 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	552 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	167 sqft
Patio Area	168 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2005 VARNER CIR
City	WINTER HAVEN
State	FL
Zip	33884-3149
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 W 140.97 FT OF SE1/4 OF SW1/4 BEING LOT 3 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	3
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2032
Census Tract	14006

Owner

Source: Polk County records, as of October 8, 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	2005 VARNER CIR, WINTER HAVEN, FL 33884-3149
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 1995 · Amount on Record
Deed Sale	Apr 5, 1995 · Amount on Record
Deed Book / Page	3514 / 805
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Sep 28, 2026
Property Address	2005 VARNER CIR, WINTER HAVEN, FL 33884-3149
Document Number	0000233724
Book / Page	14168 / 1834
Instrument Date	Sep 15, 2026
Instrument	2026233724
Transaction Type	Mortgage
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5540 CYPRESS GARDENS BLVD, WINTER HAVEN, FL 33884-2240

Mortgage

Document Number	0000233724,
Date	Sep 28, 2026
Book Page	14168/1834
Instrument	2026233724

Lender

Name	MIDFLORIDA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 15, 2041

Interest

Max Rate	-1%

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$113,161 (+2.7%)	$206,939 (-4.79%) Land $52,000 Building $154,939
2025	$924.00 (-31.66%) Homeowner's exemption	$110,186 (+5.99%)	$217,357 (+0.7%) Land $52,000 Building $165,357
2023	$1,352.00 (+4.56%) Homeowner's exemption	$103,962 (+3%)	$215,836 (+4.84%) Land $50,000 Building $165,836
2022	$1,293.00 Homeowner's exemption	$100,934	$205,879 Land $42,000 Building $163,879

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
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.

Wildfire

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.

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 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