228 Waterside Cir, Winter Haven, FL 33880 Property Records

Polk County property record for 228 Waterside Cir, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,556 sqft · built 2018
Lot Size	0.213 acres (9,274 sqft)
Owner	Individual Name on File
Last Sale	$243,906 (Apr 2018)
Tax Bill	$3,348 (2025)
Deeds & Mortgages	Dec 2021 Second Mortgage Apr 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-658226-000300`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-658226-000300`
Alternative APNs	`332826658226000300` `32826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,556 sqft Living Area
Gross Area	2,976 sqft
1st Floor Area	1,388 sqft
Upper Floors Area	1,168 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	9,274 sqft (0.213 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	206 sqft

Location & Zoning

Street Address	228 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 30
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	WATERSIDE VILLAGE
Legal Block	2
Legal Lot Number	30
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2057
Census Tract	14005

Owner

228 Waterside Cir is owned and occupied by an individual who bought it in April 2018.

Source: Polk County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	228 WATERSIDE CIR, WINTER HAVEN, FL 33880-4731
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Apr 10, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage JG WENTWORTH HM LNDG
Oct 18, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2018 · Amount on File
Deed Sale	Apr 10, 2018 · Amount on File
Prior Sale	Oct 18, 2017 · Amount on File
Deed Document Number	201876615
Deed Book / Page	10450 / 740
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	228 WATERSIDE CIR, WINTER HAVEN, FL 33880-4731
Transaction Type	Mortgage
Record Updated	Jan 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 WATESIDE CIRCLE, WINTER HAVEN, FL 33880-4731

Mortgage

Document Number	0000336665
Date	Dec 28, 2021
Book Page	12045/1121
Instrument	2021336665

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

April 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Apr 10, 2018
Property Address	228 WATERSIDE CIR, WINTER HAVEN, FL 33880-4731
Document Number	0104500740
Book / Page	010450 / 000740
Instrument Date	Mar 30, 2018
Instrument	76615
Transaction Type	Subdivision Related Transfer
Record Updated	May 4, 2018
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,707.34
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1922 AVE E SOUTHWEST FL, FL

Mortgage

Document Number	104500741
Date	Apr 10, 2018
Book Page	010450/000741
Instrument	76616

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 9, 2048

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 18, 2017
Property Address	228 WATERSIDE CIR, WINTER HAVEN, FL 33880-4731
Document Number	0102900325
Book / Page	010290 / 000325
Instrument Date	Oct 13, 2017
Instrument	199441
Transaction Type	Transfer
Record Updated	Dec 11, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$560.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6200 LEE VISTA BLVD #400 ORLANDO FL 328225149, 400, ORLANDO, FL 32822-5149

Tax Assessment & Valuation

The 2025 property tax bill for 228 Waterside Cir was $3,348 with a homeowner's exemption.

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		$225,519 (+2.7%)	$287,966 (-0.8%) Land $52,000 Building $235,966
2025	$3,348.00 Homeowner's exemption	$219,590	$290,288 Land $52,000 Building $238,288
2023	$3,162.00 (+2.83%) Homeowner's exemption	$207,185 (+3%)	$299,025 (+18.27%) Land $50,000 Building $249,025
2022	$3,075.00 Homeowner's exemption	$201,150	$252,837 Land $42,000 Building $210,837

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 228 Waterside Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 228 Waterside Cir is low, with less than a 0.01% annual chance of 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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