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403 Ituna Cir, Winter Haven, FL 33881 Property Records

Polk County property record for 403 Ituna Cir, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,009 sqft · built 2026
Lot Size0.132 acres (5,750 sqft)
Owner2 Individual Names on File
Last Sale$329,900 (Mar 2026)
Tax Bill$934 (2025)
Deeds & MortgagesMar 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-01-521040-000610

Property Details

APN / Parcel Number

Primary APN26-28-01-521040-000610
Alternative APN
  • 012826521040000610

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,009 sqft Living Area
Gross Area2,489 sqft
1st Floor Area2,009 sqft

Exterior

Year BuiltBuilt 2026
Effective Year BuiltEffective 2026
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area5,750 sqft (0.132 acres)
Garage TypeAttached
Garage Area480 sqft
PorchUnfinished Open Porch

Location & Zoning

Street Address403 ITUNA CIR
CityWINTER HAVEN
StateFL
Zip33881-7310
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARBOR AT LAKE HENRY PB 208 PGS 29-32 LOT 61
Legal SubdivisionHARBOR AT LAKE HENRY
Legal Lot Number61
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1007
Census Tract12802

Owner

403 Ituna Cir is owned and occupied by two individuals who bought it in March 2026.

Source: Polk County records, as of September 28, 2026

Owner of Record2 Individual Names on File
Mailing Address403 ITUNA CIR, WINTER HAVEN, FL 33881-7310
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 26, 2026 · Amount on File
Deed SaleMar 26, 2026 · Amount on File
Prior SaleOct 9, 2025 · Amount on File
Deed Document Number202671574
Deed Book / Page13932 / 1058
Record UpdatedOct 29, 2026

March 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateMar 26, 2026
Property Address403 ITUNA CIR, WINTER HAVEN, FL 33881-7310
Document Number0000071574
Book / Page13932 / 1058
Map ReferenceMB 208 PG 29-32
Instrument DateMar 20, 2026
Instrument2026071574
Transaction TypeTransfer
Record UpdatedApr 9, 2026
Title CompanyINNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,309.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

NameVerified Name
Address403 ITUNA CIR, WINTER HAVEN, FL 33881-7310

Mortgage

Document Number0139321063
DateMar 26, 2026
Instrument13932/1063
Lender
NameVANDERBILT MORTGAGE & FINANCE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 403 Ituna Cir was $934.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$50,000 (-) Land $50,000$50,000 (-) Land $50,000
2025$934.00$50,000 Land $50,000$50,000 Land $50,000

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

Flood

FEMA maps place 403 Ituna Cir in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1998.

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 35 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies35 in force
Nearby Flood Claims13 (1998–2022)
Claims Outside the SFHA5 of 13
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Frances, Sep 2004 · 8 claims

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

Wildfire risk around 403 Ituna Cir is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire RiskModerate
above 61% of the US · lower than 64% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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 393 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
AT&T
Fixed Wireless		100 / 20

May also be available: Frontier, Verizon.

Nearby Properties on Ituna Cir

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