3460 Costello Cir, Winter Haven, FL 33884 Property Records

Polk County property record for 3460 Costello Cir, Winter Haven, FL 33884 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,848 sqft · built 2024
Lot Size	0.175 acres (7,640 sqft)
Owner	2 Individual Names on File
Last Sale	$313,990 (Jan 2025)
Tax Bill	$4,559 (2025)
Deeds & Mortgages	Jan 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-15-688505-001780`

Property Details

APN / Parcel Number

Primary APN	`26-29-15-688505-001780`
Alternative APN	`152926688505001780`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,848 sqft Living Area
Gross Area	2,288 sqft
1st Floor Area	1,848 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	7,640 sqft (0.175 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft
Porch	Unfinished Open Porch
Porch Area	112 sqft

Location & Zoning

Street Address	3460 COSTELLO CIR
City	WINTER HAVEN
State	FL
Zip	33884-3479
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAMAR PHASE 6 AND PHASE 6D PB 203 PGS 7-17 LOT 178
Legal Subdivision	VILLAMAR PHASE 6 AND PHASE 6D
Legal Lot Number	178
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 26-29-15-688505-001780

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	2 Individual Names on File
Mailing Address	3460 COSTELLO CIR, WINTER HAVEN, FL 33884-3479
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 03, 2025 · Amount on Record
Deed Sale	Jan 03, 2025 · Amount on Record
Deed Document Number	20251452
Deed Book / Page	13389 / 658
Record Updated	Sep 20, 2026

January 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 03, 2025
Property Address	3460 COSTELLO CIR, WINTER HAVEN, FL 33884-3479
Document Number	0000001452
Book / Page	13389 / 658
Map Reference	MB 203 PG 7-17
Instrument Date	Dec 27, 2024
Instrument	2025001452
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 13, 2026
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,198.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7835 OSCEOLA POLK LINE RD, DAVENPORT, FL 33896-9100

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3460 COSTELLO CIR, WINTER HAVEN, FL 33884-3479

Mortgage

Document Number	0013389659
Date	Jan 03, 2025
Instrument	13389/659

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2055

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,559.00	$243,843 Land $50,000 Building $193,843	$243,843 Land $50,000 Building $193,843

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
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
Nearby Flood Claims	8 (2004–2022)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian
Claims By Storm	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 79% of the US · above 68% of Florida
Wildfire Likelihood	About 1 in 178 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 85 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000

May also be available at this address: Spectrum, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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