Polk County property record for 2109 Edgewater Cir, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,689 sqft · built 1983 |
| Lot Size | 0.235 acres (10,254 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $169,900 (Nov 1999) |
| Tax Bill | $2,312 (2025) |
| Deeds & Mortgages | Jun 2023 Transfer Jan 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-33-658210-000050 |
| Primary APN | 26-28-33-658210-000050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,689 sqft Living Area |
| Gross Area | 3,383 sqft |
| 1st Floor Area | 2,689 sqft |
| Flooring | Terrazzo |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,254 sqft (0.235 acres) |
| Lot Dimensions | 105 ft deep x 105 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 694 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 581 sqft |
| Street Address | 2109 EDGEWATER CIR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-4647 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EDGEWATER MANOR PB 68 PG 50 LOT 5 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 33 |
| Legal Subdivision | EDGEWATER MANOR |
| Legal Tract | 658210 |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2058 |
| Census Tract | 14005 |
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 | 2109 EDGEWATER CIR, WINTER HAVEN, FL 33880-4647 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 15, 2023 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Jan 21, 2020 | Loan Modification, Mortgage · Conventional Mortgage CITIZENS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 1999 · Amount on Record |
| Deed Sale | Nov 5, 1999 · Amount on Record |
| Prior Sale | Mar 9, 1995 · Amount on Record |
| Deed Book / Page | 4347 / 1143 |
| Last Transfer Date | Jun 15, 2023 |
| Transfer Doc | 0000140813 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 15, 2023 |
| Property Address | 2109 EDGEWATER CIR, WINTER HAVEN, FL 33880-4647 |
| Document Number | 0000140813 |
| Book / Page | 12730 / 891 |
| Map Reference | MB 68 PG 50 |
| Instrument Date | Jun 15, 2023 |
| Instrument | 2023140813 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2109 EDGEWATER CIR, WINTER HAVEN, FL 33880-4647 |
| Name | Verified Name |
|---|---|
| Address | 2109 EDGEWATER CIR, WINTER HAVEN, FL 33880-4647 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2109 EDGEWATER CIR, WINTER HAVEN, FL 33880-4647 |
| Document Number | 0111210229 |
| Instrument Date | Jan 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2020 |
| Title Company | RIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2109 EDGEWATER CIR WINTER HAVEN FL 338804647, WINTER HAVEN, FL 33880-4647 |
| Document Number | 0111210229 |
|---|---|
| Date | Jan 28, 2020 |
| Book Page | 011121/000229 |
| Instrument | 20282 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $220,761 (+2.7%) | $340,775 (-0.73%) Land $39,000 Building $301,775 | |
| 2025 | $2,312.00 (-17.87%) Homeowner's exemption | $214,957 (+5.99%) | $343,294 (-10.79%) Land $39,000 Building $304,294 |
| 2023 | $2,815.00 (+4.45%) Homeowner's exemption | $202,815 (+3%) | $384,815 (+12.92%) Land $38,000 Building $346,815 |
| 2022 | $2,695.00 Homeowner's exemption | $196,908 | $340,788 Land $32,000 Building $308,788 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 242 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Frontier, Verizon.
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