2133 Edgewater Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 2133 Edgewater Cir, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,735 sqft · built 1981
Lot Size	0.332 acres (14,449 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,231 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-658210-000170`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-658210-000170`
Alternative APNs	`332826658210000170` `32826000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,735 sqft Living Area
Gross Area	3,285 sqft
1st Floor Area	2,735 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	14,449 sqft (0.332 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	550 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	512 sqft
Porch	Screened/Unfinished Porch
Porch Area	773 sqft

Location & Zoning

Street Address	2133 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 17
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	EDGEWATER MANOR
Legal Tract	658210
Legal Block	2
Legal Lot Number	17
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2058
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	2133 EDGEWATER CIR, WINTER HAVEN, FL 33880-4647
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Sep 11, 2020	Quit Claim Deed, Transfer · FHA Mortgage MERIDIAN HM MTG
Nov 2, 2018	Warranty Deed, Transfer · FHA Mortgage MIDFLORIDA CU
Jul 25, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2020
Deed Sale	Sep 11, 2020
Prior Sale	Nov 2, 2018 · Amount on Record
Deed Document Number	2020189701
Deed Book / Page	11372 / 1339
Prior Transfer Date	Sep 1, 2020
Prior Transfer Doc	0000189701
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2133 EDGEWATER CIR, WINTER HAVEN, FL 33880-4647
Transaction Type	Mortgage
Record Updated	Dec 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2133 EDGEWATER CIR, WINTER HAVEN, FL 33880-4647

Mortgage

Document Number	0000302850
Date	Nov 21, 2022
Book Page	12490/1258
Instrument	2022302850

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Sep 11, 2020
Property Address	2133 EDGEWATER CIR, WINTER HAVEN, FL 33880-4647
Document Number	0113721339
Book / Page	011372 / 001339
Instrument Date	Sep 1, 2020
Instrument	189701
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	RESEARCH TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2133 EDGEWATER CIR WINTER HAVEN FL 338804647, WINTER HAVEN, FL 33880-4647

Mortgage

Document Number	113721341
Date	Sep 11, 2020
Book Page	011372/001341
Instrument	189702

Lender

Name	MERIDIAN HM MTG
Type	Mortgage Company
Address	WESTMINSTER, MD 21157

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 2, 2018
Property Address	2133 EDGEWATER CIR, WINTER HAVEN, FL 33880-4647
Document Number	0106602067
Book / Page	010660 / 002067
Instrument Date	Oct 31, 2018
Instrument	231556
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2133 EDGEWATER CIR WINTER HAVEN FL 338804647, WINTER HAVEN, FL 33880-4647

Mortgage

Document Number	106602069
Date	Nov 2, 2018
Book Page	010660/002069
Instrument	231557

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33801

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2133 EDGEWATER CIR, WINTER HAVEN, FL 33880-4647
Document Number	0105641961
Instrument Date	Jul 25, 2018
Transaction Type	Mortgage
Record Updated	Aug 10, 2018
Title Company	RIDGE SECURITY TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2133 EDGEWATER CIR WINTER HAVEN FL 338804647, WINTER HAVEN, FL 33880-4647

Mortgage

Document Number	0105641961
Date	Jul 30, 2018
Book Page	010564/001961
Instrument	161854

Lender

Name	CITIZENS BK
Type	Bank
Address	FROSTPROOF, FL 33843

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$295,960 (+4.11%)	$377,633 (+1.59%) Land $39,000 Building $338,633
2025	$3,231.00 (-12.63%) Homeowner's exemption	$284,284 (+5.99%)	$371,727 (-10.51%) Land $39,000 Building $332,727
2023	$3,698.00 (+3.73%) Homeowner's exemption	$268,225 (+3%)	$415,362 (+12.89%) Land $38,000 Building $377,362
2022	$3,565.00 Homeowner's exemption	$260,413	$367,925 Land $32,000 Building $335,925

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 98% of the US · lower than 97.6% 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 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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