Polk County property record for 3832 Osprey Pointe Cir, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,969 sqft · built 2005 |
| Lot Size | 0.23 acres (10,006 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $234,000 (Apr 2017) |
| Tax Bill | $3,713 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Apr 2017 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-01-663573-000180 |
| Primary APN | 26-29-01-663573-000180 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,969 sqft Living Area |
| Gross Area | 2,452 sqft |
| 1st Floor Area | 1,969 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,006 sqft (0.23 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Pool Type | Enclosed Pool |
| Porch | Finished/Open Porch |
| Porch Area | 249 sqft |
| Street Address | 3832 OSPREY POINTE CIR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2590 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OSPREY POINTE PLAT BOOK 128 PGS 45 & 46 LOT 18 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 01 |
| Legal Subdivision | OSPREY POINTE |
| Legal Tract | 663573 |
| Legal Block | 2 |
| Legal Lot Number | 18 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 14001 |
3832 Osprey Pointe Cir is owned by two individuals who bought it in April 2017.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 17688 NORTHWOOD PL, BRADENTON, FL 34202-3228 |
| 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.
| Date | Document |
|---|---|
| Jul 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Apr 5, 2017 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Apr 5, 2017 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Jul 12, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 5, 2017 · Amount on File |
| Deed Sale | Apr 5, 2017 · Amount on File |
| Prior Sale | Jun 24, 2005 · Amount on File |
| Deed Document Number | 201764732 |
| Deed Book / Page | 10110 / 921 |
| Prior Transfer Date | Jun 20, 2005 |
| Prior Transfer Doc | 0000148576 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3832 OSPREY POINTE CIR, WINTER HAVEN, FL 33884-2590 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2021 |
| Name | Verified Name |
|---|---|
| Address | 27 SAUCER LN, LEVITTOWN, NY 11756-4931 |
| Document Number | 0000195976 |
|---|---|
| Date | Jul 28, 2021 |
| Book Page | 11822/2136 |
| Instrument | 2021195976 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 5, 2017 |
| Property Address | 3832 OSPREY POINTE CIR, WINTER HAVEN, FL 33884-2590 |
| Document Number | 0101100919 |
| Book / Page | 010110 / 000919 |
| Instrument Date | Apr 4, 2017 |
| Instrument | 64731 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 5, 2017 |
| Property Address | 3832 OSPREY POINTE CIR, WINTER HAVEN, FL 33884-2590 |
| Document Number | 0101100921 |
| Book / Page | 010110 / 000921 |
| Instrument Date | Apr 4, 2017 |
| Instrument | 64732 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,638.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4018 LAKE NED VILLAGE CIR WINTER HAVEN FL 338842587, WINTER HAVEN, FL 33884-2587 |
| Document Number | 101100923 |
|---|---|
| Date | Apr 5, 2017 |
| Book Page | 010110/000923 |
| Instrument | 64733 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 4, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 12, 2018 |
| Property Address | 3832 OSPREY POINTE CIR, WINTER HAVEN, FL 33884-2590 |
| Document Number | 0105461814 |
| Book / Page | 010546 / 001814 |
| Instrument Date | Apr 4, 2017 |
| Instrument | 148509 |
| Transaction Type | Transfer |
| Record Updated | Jul 31, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $18.50 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4018 LAKE NED VILLAGE CIR WINTER HAVEN FL 338842587, WINTER HAVEN, FL 33884-2587 |
The 2025 property tax bill for 3832 Osprey Pointe Cir was $3,713.
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 | $295,292 (+5.4%) Land $44,000 Building $251,292 | $295,292 (+5.4%) Land $44,000 Building $251,292 | |
| 2025 | $3,713.00 | $280,153 Land $44,000 Building $236,153 | $280,153 Land $44,000 Building $236,153 |
| 2023 | $4,020.00 (+4.71%) | $271,458 (+0.97%) Land $42,000 Building $229,458 | $271,458 (+0.97%) Land $42,000 Building $229,458 |
| 2022 | $3,839.00 | $268,849 Land $35,000 Building $233,849 | $268,849 Land $35,000 Building $233,849 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3832 Osprey Pointe 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 11 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 3 (2017–2022) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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.
The area around 3832 Osprey Pointe Cir has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 518 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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