3206 Costello Cir, Winter Haven, FL 33884 Property Records

Polk County property record for 3206 Costello Cir, Winter Haven, FL 33884 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,707 sqft · built 2022
Lot Size	0.126 acres (5,497 sqft)
Owner	Individual Name on File
Last Sale	$320,500 (Dec 2022)
Tax Bill	$4,503 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-23-690584-001310`

Property Details

APN / Parcel Number

Primary APN	`26-29-23-690584-001310`
Alternative APN	`232926690584001310`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,707 sqft Living Area
Gross Area	2,148 sqft
1st Floor Area	1,707 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	5,497 sqft (0.126 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch
Porch Area	246 sqft

Location & Zoning

Street Address	3206 COSTELLO CIR
City	WINTER HAVEN
State	FL
Zip	33884-3493
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAMAR PHASE FOUR PB 190 PG 16-21 LOT 131
Legal Subdivision	VILLAMAR PHASE FOUR
Legal Block	4
Legal Lot Number	131
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4029
Census Tract	14501

Owner

Source: Polk County records · APN 26-29-23-690584-001310

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	3206 COSTELLO CIR, WINTER HAVEN, FL 33884-3493
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 19, 2022 · Amount on Record
Deed Sale	Dec 19, 2022 · Amount on Record
Deed Document Number	2022327444
Deed Book / Page	12523 / 2299
Record Updated	Sep 20, 2026

December 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 20, 2022
Property Address	3206 COSTELLO CIR, WINTER HAVEN, FL 33884-3493
Document Number	0000327444
Book / Page	12523 / 2299
Map Reference	MB 190 PG 16-21
Instrument Date	Dec 16, 2022
Instrument	2022327444
Transaction Type	Transfer
Record Updated	Feb 05, 2024
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,243.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3206 COSTELLO CIR, WINTER HAVEN, FL 33884-3493

Mortgage

Document Number	0125232301
Date	Dec 20, 2022
Instrument	12523/2301

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,503.00 (-35.58%)	$240,874 (-7.04%) Land $54,000 Building $186,874	$240,874 (-7.04%) Land $54,000 Building $186,874
2023	$6,990.00 (+201.68%)	$259,122 (+2,131.12%) Land $52,000 Building $207,122	$259,122 (+2,131.12%) Land $52,000 Building $207,122
2022	$2,317.00	$11,614 Land $11,614	$11,614 Land $11,614

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050145014, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 97 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	97 in force 92 of 97 on primary residences
Nearby Flood Claims	8 (2004–2022)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian
Flood Events	Hurricane Ian (Sep 2022), 2 claims Hurricane Frances (Sep 2004), 2 claims Tropical Storm Bonnie And Hurricane Charley (Aug 2004), 2 claims

Wildfire

Wildfire Risk	High above 78% of the US · above 67% of Florida
Wildfire Likelihood	About 1 in 196 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.