204 Waterside Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 204 Waterside Cir, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,821 sqft · built 2018
Lot Size	0.143 acres (6,216 sqft)
Owner	Company Name on Record
Last Sale	$232,500 (Jan 2020)
Tax Bill	$4,792 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jul 2020 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-658226-000240`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-658226-000240`
Alternative APNs	`332826658226000240` `32826000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,821 sqft Living Area
Gross Area	2,284 sqft
1st Floor Area	1,821 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	6,216 sqft (0.143 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	463 sqft
Porch	Screened/Unfinished Porch
Porch Area	204 sqft

Location & Zoning

Street Address	204 WATERSIDE CIR
City	WINTER HAVEN
State	FL
Zip	33880-4731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERSIDE VILLAGE PB 161 PG 41-42 LOT 24
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	WATERSIDE VILLAGE
Legal Block	2
Legal Lot Number	24
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	6955 LACY DR, LAKELAND, FL 33813-5663
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2025	Deed of Trust, Mortgage PRIME MERIDIAN BANK
Jul 22, 2020	Grant Deed, Transfer ATTORNEY ONLY
Jan 30, 2020	Warranty Deed, Transfer RIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC
Feb 11, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Nov 21, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage DHI MTG
Mar 23, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2020 · Amount on Record
Deed Sale	Jan 30, 2020 · Amount on Record
Prior Sale	Nov 21, 2018 · Amount on Record
Deed Document Number	202022540
Deed Book / Page	11124 / 181
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	204 WATERSIDE CIR, WINTER HAVEN, FL 33880-4731
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6955 LACY DR, LAKELAND, FL 33813-5663

Mortgage

Document Number	0000209639
Date	Sep 8, 2025
Book Page	13689/1734
Instrument	2025209639

Lender

Name	PRIME MERIDIAN BANK
Type	Bank
Address	TALLAHASSEE, FL 32312

Agreement

Amount	Amount Recorded

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jul 22, 2020
Property Address	204 WATERSIDE CIR, WINTER HAVEN, FL 33880-4731
Document Number	0113070662
Book / Page	011307 / 000662
Instrument Date	Jun 24, 2020
Instrument	146967
Transaction Type	Transfer
Record Updated	Aug 11, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6955 LACY DR LAKELAND FL 338135663, LAKELAND, FL 33813-5663

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 30, 2020
Property Address	204 WATERSIDE CIR, WINTER HAVEN, FL 33880-4731
Document Number	0111240181
Book / Page	011124 / 000181
Instrument Date	Jan 29, 2020
Instrument	22540
Transaction Type	Transfer
Record Updated	Feb 21, 2020
Title Company	RIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC

Transaction

Amount	Amount Recorded
Tax	$1,628.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6955 LACY DR LAKELAND FL 338135663, LAKELAND, FL 33813-5663

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	204 WATERSIDE CIR, WINTER HAVEN, FL 33880-4731
Document Number	0107530815
Instrument Date	Feb 11, 2019
Transaction Type	Mortgage
Record Updated	Feb 28, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	204 WATERSIDE CIR WAHNETA FL 338804731, WAHNETA, FL 33880-4731

Mortgage

Document Number	0107530815
Date	Feb 18, 2019
Book Page	010753/000815
Instrument	32502

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 17, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%

November 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Nov 21, 2018
Property Address	204 WATERSIDE CIR, WINTER HAVEN, FL 33880-4731
Document Number	0106771544
Book / Page	010677 / 001544
Instrument Date	Nov 16, 2018
Instrument	244135
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2018
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,591.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	204 WATERSIDE CIR WINTER HAVEN FL 338804731, WINTER HAVEN, FL 33880-4731

Mortgage

Document Number	106771545
Date	Nov 21, 2018
Book Page	010677/001545
Instrument	244136

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 20, 2048

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 23, 2018
Property Address	204 WATERSIDE CIR, WINTER HAVEN, FL 33880-4731
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 Recorded
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

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		$248,697 (-1.29%) Land $52,000 Building $196,697	$248,697 (-1.29%) Land $52,000 Building $196,697
2025	$4,792.00 (+1.18%)	$251,935 (-3.82%) Land $52,000 Building $199,935	$251,935 (-3.82%) Land $52,000 Building $199,935
2024	$4,736.00 (+4.62%)
2023	$4,527.00 (+8.72%)	$261,929 (+9.33%) Land $50,000 Building $211,929	$261,929 (+9.33%) Land $50,000 Building $211,929
2022	$4,164.00	$239,580 Land $42,000 Building $197,580	$239,580 Land $42,000 Building $197,580

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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