203 Waterside Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 203 Waterside Cir, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,046 sqft · built 2018
Lot Size	0.129 acres (5,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$118,500 (Jan 2021)
Tax Bill	$2,234 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-658226-000330`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-658226-000330`
Alternative APNs	`332826658226000330` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,046 sqft Living Area
Gross Area	2,726 sqft
1st Floor Area	2,046 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	5,632 sqft (0.129 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	464 sqft
Porch	Florida Room
Porch Area	246 sqft

Location & Zoning

Street Address	203 WATERSIDE CIR
City	WINTER HAVEN
State	FL
Zip	33880-4735
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERSIDE VILLAGE PB 161 PG 41-42 LOT 33
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	WATERSIDE VILLAGE
Legal Block	2
Legal Lot Number	33
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2057
Census Tract	14005

Owner

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	203 WATERSIDE CIR, WINTER HAVEN, FL 33880-4735
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2021	Quit Claim Deed, Transfer BANK OF AMERICA
May 29, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage DHI MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2021 · Amount on Record
Deed Sale	Jan 12, 2021 · Amount on Record
Prior Sale	May 29, 2018 · Amount on Record
Deed Document Number	20218685
Deed Book / Page	11535 / 818
Prior Transfer Date	Dec 28, 2020
Prior Transfer Doc	0000008685
Record Updated	Oct 29, 2026

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jan 12, 2021
Property Address	203 WATERSIDE CIR, WINTER HAVEN, FL 33880-4735
Document Number	0115350818
Book / Page	011535 / 000818
Instrument Date	Dec 28, 2020
Instrument	8685
Transaction Type	Transfer
Record Updated	Jan 26, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$830.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	203 WATERSIDE CIR WINTER HAVEN FL 338804735, WINTER HAVEN, FL 33880-4735

Mortgage

Document Number	115350821
Date	Jan 12, 2021
Book Page	011535/000821
Instrument	8686

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2051

May 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	May 29, 2018
Property Address	203 WATERSIDE CIR, WINTER HAVEN, FL 33880-4735
Document Number	0104981267
Book / Page	010498 / 001267
Instrument Date	May 22, 2018
Instrument	113729
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 19, 2018
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,621.44
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 WATERSIDE CIR WINTER HAVEN FL 338804735, WINTER HAVEN, FL 33880-4735

Mortgage

Document Number	104981268
Date	May 29, 2018
Book Page	010498/001268
Instrument	113730

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 28, 2048

Tax Assessment & Valuation

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		$165,394 (+2.7%)	$270,438 (-1.3%) Land $52,000 Building $218,438
2025	$2,234.00 (+6.48%) Homeowner's exemption	$161,046 (+5.99%)	$274,003 (-3.95%) Land $52,000 Building $222,003
2023	$2,098.00 (+3.2%) Homeowner's exemption	$151,949 (+3%)	$285,281 (+9.5%) Land $50,000 Building $235,281
2022	$2,033.00 Homeowner's exemption	$147,523	$260,534 Land $42,000 Building $218,534

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 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

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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