2118 Edgewater Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 2118 Edgewater Cir, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,763 sqft · built 2017
Lot Size	0.293 acres (12,759 sqft)
Owner	2 Company Names on Record
Last Sale	$448,000 (Jun 2024)
Tax Bill	$3,458 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-658210-000250`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-658210-000250`
Alternative APNs	`332826658210000250` `32826000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,763 sqft Living Area
Gross Area	3,581 sqft
1st Floor Area	2,763 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	12,759 sqft (0.293 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	650 sqft
Porch	Florida Room
Porch Area	216 sqft

Location & Zoning

Street Address	2118 EDGEWATER CIR
City	WINTER HAVEN
State	FL
Zip	33880-4646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDGEWATER MANOR PB 68 PG 50 LOT 25
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	EDGEWATER MANOR
Legal Tract	658210
Legal Block	2
Legal Lot Number	25
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2059
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 Company Names on Record
Mailing Address	2115 EDGEWATER CIR, WINTER HAVEN, FL 33880-4647
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Aug 9, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Sep 4, 2019	Warranty Deed, Transfer NAVY FCU
Oct 18, 2017	Warranty Deed, Transfer · Conventional Mortgage SWIFSURE LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2024 · Amount on Record
Deed Sale	Jun 21, 2024 · Amount on Record
Prior Sale	Mar 8, 2023 · Amount on Record
Deed Document Number	2024144058
Deed Book / Page	13162 / 1313
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 8, 2023
Property Address	2118 EDGEWATER CIR, WINTER HAVEN, FL 33880-4646
Document Number	0000054814
Book / Page	12608 / 1611
Map Reference	MB 68 PG 50
Instrument Date	Mar 6, 2023
Instrument	2023054814
Transaction Type	Transfer
Record Updated	Mar 21, 2023
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1112 BILL ST, NORFOLK, VA 23518-2604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2118 EDGEWATER CIR, WINTER HAVEN, FL 33880-4646

Mortgage

Document Number	0126081613
Date	Mar 8, 2023
Instrument	12608/1613

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2118 EDGEWATER CIR, WINTER HAVEN, FL 33880-4646
Document Number	0113261847
Instrument Date	Aug 9, 2019
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	INTEGRITY FIRST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2756 N MOUNTAIN VALLEY TRL CEDAR CITY UT 847217168, CEDAR CITY, UT 84721-7168

Mortgage

Document Number	0113261847
Date	Aug 7, 2020
Book Page	011326/001847
Instrument	159676

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 4, 2019
Property Address	2118 EDGEWATER CIR, WINTER HAVEN, FL 33880-4646
Document Number	0109610155
Book / Page	010961 / 000155
Instrument Date	Aug 9, 2019
Instrument	185926
Transaction Type	Transfer
Record Updated	Sep 18, 2019
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2118 EDGEWATER CIR WINTER HAVEN FL 338804646, WINTER HAVEN, FL 33880-4646

Mortgage

Document Number	109610157
Date	Sep 4, 2019
Book Page	010961/000157
Instrument	185927

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2049

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 18, 2017
Property Address	2118 EDGEWATER CIR, WINTER HAVEN, FL 33880-4646
Document Number	0102891041
Book / Page	010289 / 001041
Instrument Date	Oct 10, 2017
Instrument	198915
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,848.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2118 EDGEWATER CIR WINTER HAVEN FL 338804646, WINTER HAVEN, FL 33880-4646

Mortgage

Document Number	102891042
Date	Oct 18, 2017
Book Page	010289/001042
Instrument	198916

Lender

Name	SWIFSURE LNS
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 17, 2032

Mortgage

Document Number	104251344,
Date	Oct 18, 2017
Book Page	010425/001344
Instrument	57646

Lender

Name	SWIFTSURE LNS
Address	SANTA ANA, CA 92705

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 17, 2032

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		$339,750 (+10.89%) Land $39,000 Building $300,750	$339,750 (-2.41%) Land $39,000 Building $300,750
2025	$3,458.00 (-36.39%)	$306,387 (-22.84%)	$348,147 (-12.33%) Land $39,000 Building $309,147
2023	$5,436.00 (+9.13%)	$397,094 (+11.89%) Land $38,000 Building $359,094	$397,094 (+11.89%) Land $38,000 Building $359,094
2022	$4,981.00	$354,883 Land $32,000 Building $322,883	$354,883 Land $32,000 Building $322,883

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 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.

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 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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