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3875 Osprey Pointe Cir, Winter Haven, FL 33884 Property Records

Polk County property record for 3875 Osprey Pointe Cir, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,729 sqft · built 2006
Lot Size0.128 acres (5,563 sqft)
Owner2 Individual Names on Record
Last Sale$275,000 (Aug 2026)
Tax Bill$624 (2024)
Deeds & MortgagesOct 2026 Sale
Aug 2026 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN26-29-01-663573-000380

Property Details

APN / Parcel Number

Primary APN26-29-01-663573-000380
Alternative APNs
  • 012926663573000380
  • 12926000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,729 sqft Living Area
Gross Area2,165 sqft
1st Floor Area1,729 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area5,563 sqft (0.128 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area436 sqft
PorchPatio
Porch Area163 sqft

Location & Zoning

Street Address3875 OSPREY POINTE CIR
CityWINTER HAVEN
StateFL
Zip33884-2591
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionOSPREY POINTE PLAT BOOK 128 PGS 45 & 46 LOT 38
Legal Range26E
Legal Township29S
Legal Section01
Legal SubdivisionOSPREY POINTE
Legal Tract663573
Legal Block2
Legal Lot Number38
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2014
Census Tract14001

Owner

Source: Polk County records, as of October 19, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address3875 OSPREY POINTE CIR, WINTER HAVEN, FL 33884-2591
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Oct 7, 2026Deed, Transfer
NONE LISTED ON DOCUMENT
Aug 12, 2026Warranty Deed, Transfer · Conventional Mortgage
FAIRWINDS CREDIT UNION
Aug 12, 2026Affidavit, Transfer
Feb 27, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Aug 15, 2022Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 12, 2026 · Amount on Record
Deed SaleAug 12, 2026 · Amount on Record
Prior SaleDec 6, 2016 · Amount on Record
Deed Document Number2026194549
Deed Book / Page14113 / 485
Last Transfer DateOct 2, 2026
Transfer Doc0000241751
Record UpdatedOct 29, 2026

October 2026: Deed, Transfer

Document TypeDeed
JurisdictionPOLK FL
Recording DateOct 7, 2026
Property Address3875 OSPREY POINTE CIR, WINTER HAVEN, FL 33884-2591
Document Number0000241751
Book / Page14180 / 1156
Instrument DateOct 2, 2026
Instrument2026241751
Transaction TypeTransfer
Record UpdatedOct 16, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address3875 OSPREY POINTE CIR, WINTER HAVEN, FL 33884-2591

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 12, 2026
Property Address3875 OSPREY POINTE CIR, WINTER HAVEN, FL 33884-2591
Document Number0000194549
Book / Page14113 / 485
Instrument DateAug 6, 2026
Instrument2026194549
Transaction TypeTransfer
Record UpdatedAug 24, 2026
Title CompanyINTEGRITY FIRST TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$194,425.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3875 OSPREY POINTE CIR, WINTER HAVEN, FL 33884-2591

Mortgage

Document Number0000194550,
DateAug 12, 2026
Instrument2026194550
Lender
NameFAIRWINDS CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2056
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

August 2026: Affidavit, Transfer

Document TypeAffidavit
JurisdictionPOLK FL
Recording DateAug 12, 2026
Property Address3875 OSPREY POINTE CIR, WINTER HAVEN, FL 33884-2591
Document Number0000194548
Book / Page14113 / 484
Instrument DateAug 6, 2026
Instrument2026194548
Transaction TypeTransfer
Record UpdatedAug 31, 2026

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3875 OSPREY POINTE CIR, WINTER HAVEN, FL 33884-2591

February 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateFeb 27, 2023
Property Address3875 OSPREY POINTE CIR, WINTER HAVEN, FL 33884-2591
Document Number0000045270
Book / Page12594 / 1645
Map ReferenceMB 128 PG 45&46
Instrument DateFeb 23, 2023
Instrument2023045270
Transaction TypeTransfer
Record UpdatedMar 15, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3875 OSPREY POINTE CIR, WINTER HAVEN, FL 33884-2591

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address29 PRESTON RD # 1, 1, SOMERVILLE, MA 02143-2714

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address3875 OSPREY POINTE CIR, WINTER HAVEN, FL 33884-2591
Transaction TypeMortgage
Record UpdatedAug 24, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000221413
DateAug 15, 2022
Book Page12379/1187
Instrument2022221413
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2052

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$179,793 (+2.7%)$226,440 (-2.27%) Land $44,000 Building $182,440
2025$175,066 (+5.99%)$231,701 (+3.93%) Land $44,000 Building $187,701
2024$624.00 (+3%)
2023$480.00 (+6.67%) Homeowner's exemption$165,177 (+3%)$222,948 (-0.6%) Land $42,000 Building $180,948
2022$450.00 Homeowner's exemption$160,366$224,291 Land $35,000 Building $189,291

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies11 in force
Nearby Flood Claims3 (2017–2022)
Claims Outside the SFHA1 of 3
Most Recent ClaimSep 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 518 locations within half a mile, as of December 31, 2025

ProviderMax 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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