Polk County property record for 232 Temple Cir W, Winter Haven, FL 33880
| Property Type | Mobile Home |
|---|---|
| Details | 1,458 sqft · built 1998 |
| Lot Size | 0.407 acres (17,725 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $238,000 (Jul 2026) |
| Tax Bill | $112 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Jul 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-28-354770-040100 |
| Primary APN | 25-28-28-354770-040100 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,458 sqft Living Area |
|---|---|
| 1st Floor Area | 1,458 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Mobile Home |
| Lot Area | 17,725 sqft (0.407 acres) |
| Lot Dimensions | 166 ft deep x 100 ft wide |
| Shed | 1 Shed |
| Street Address | 232 TEMPLE CIR N |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-1027 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | RE2 |
| Legal Description | ORANGE HILL SUB PB 58 PG 40 BLK 4 LOT 10 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 28 |
| Legal Subdivision | ORANGE HILLS SUBDIVISION |
| Legal Tract | 354770 |
| Legal Block | 4 |
| Legal Lot Number | 10 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 14703 |
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 | 232 TEMPLE CIR W, WINTER HAVEN, FL 33880 |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Aug 7, 2026 | Deed of Trust, Mortgage · VA Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION |
| Jul 31, 2026 | Warranty Deed, Transfer TITLE SERVICES, EASY TITLE SERVICES |
| Feb 23, 2017 | Warranty Deed, Transfer · Conventional Mortgage ACCEPTANCE CAP MTG CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2026 · Amount on Record |
| Deed Sale | Jul 31, 2026 · Amount on Record |
| Prior Sale | Feb 23, 2017 · Amount on Record |
| Deed Document Number | 2026183873 |
| Deed Book / Page | 14097 / 1577 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 7, 2026 |
| Property Address | 232 TEMPLE CIR W, WINTER HAVEN, FL 33880 |
| Document Number | 0000190982 |
| Book / Page | 14107 / 1773 |
| Instrument Date | Jul 30, 2026 |
| Instrument | 2026190982 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Name | Verified Name |
|---|---|
| Address | 504 HAMILTON SHORES CT NE, WINTER HAVEN, FL 33881-5715 |
| Document Number | 0000190982, |
|---|---|
| Date | Aug 7, 2026 |
| Book Page | 14107/1773 |
| Instrument | 2026190982 |
| Name | AMERICAN PACIFIC MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.43% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 31, 2026 |
| Property Address | 232 TEMPLE CIR W, WINTER HAVEN, FL 33880 |
| Document Number | 0000183873 |
| Book / Page | 14097 / 1577 |
| Instrument Date | Jul 30, 2026 |
| Instrument | 2026183873 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2026 |
| Title Company | TITLE SERVICES, EASY TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Tax | $168,266.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 232 TEMPLE CIR W, WINTER HAVEN, FL 33880 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 23, 2017 |
| Property Address | 232 TEMPLE CIR W, WINTER HAVEN, FL 33880 |
| Document Number | 0100731058 |
| Book / Page | 010073 / 001058 |
| Instrument Date | Feb 17, 2017 |
| Instrument | 35743 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2018 |
| Title Company | INTEGRITY FIRST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $560.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 657 DUNCAN CIR W AUBURNDALE FL 338239711, AUBURNDALE, FL 33823-9711 |
| Document Number | 100731059 |
|---|---|
| Date | Feb 23, 2017 |
| Book Page | 010073/001059 |
| Instrument | 35744 |
| Name | ACCEPTANCE CAP MTG CORP |
|---|---|
| Address | SPOKANE, WA 99208 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 22, 2047 |
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 | $34,420 (+2.13%) | $178,938 (-0.02%) Land $40,000 Building $138,938 | |
| 2025 | $112.00 (-80.62%) Homeowner's exemption | $33,703 (+5.99%) | $178,975 (+5.06%) Land $40,000 Building $138,975 |
| 2023 | $578.00 (+7.84%) Homeowner's exemption | $31,799 (+3%) | $170,357 (+25.06%) Land $30,000 Building $140,357 |
| 2022 | $536.00 Homeowner's exemption | $30,873 | $136,217 Land $20,000 Building $116,217 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 2 (2004–2024) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 | Moderate above 64% of the US · above 40% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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