Polk County property record for 409 Sidney Cir, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,168 sqft · built 1977 |
| Lot Size | 0.222 acres (9,657 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $138 (2025) |
| Deeds & Mortgages | Oct 2025 Transfer Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-25-354550-014120 |
| Primary APN | 25-28-25-354550-014120 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,168 sqft Living Area |
| 1st Floor Area | 1,168 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 9,657 sqft (0.222 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 253 sqft |
| Carport | Carport |
| Carport Area | 253 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 68 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 409 SIDNEY CIR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-1445 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | JAN PHYL VILLAGE UNIT NO 17 PB 63 PG 23 BLK N LOT 12 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 25 |
| Legal Subdivision | JAN PHYL VILLAGE UNIT 17 |
| Legal Tract | 354550 |
| Legal Block | N |
| Legal Lot Number | 12 |
| Legal Unit | 17 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 13802 |
Source: Polk County records, as of September 28, 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 Record |
|---|---|
| Mailing Address | 3334 SE 12TH ST, OCALA, FL 34471-2944 |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Oct 23, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jun 8, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 21, 2025 |
| Transfer Doc | 0000251100 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 23, 2025 |
| Property Address | 409 SIDNEY CIR, WINTER HAVEN, FL 33880-1445 |
| Document Number | 0000251100 |
| Book / Page | 13750 / 1886 |
| Map Reference | MB 63 PG 23 |
| Instrument Date | Oct 21, 2025 |
| Instrument | 2025251100 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 409 SIDNEY CIR, WINTER HAVEN, FL 33880-1445 |
| Name | Verified Name |
|---|---|
| Address | 3334 SE 12TH ST, OCALA, FL 34471-2944 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 409 SIDNEY CIR, WINTER HAVEN, FL 33880-1445 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 409 SIDNEY CIR, WINTER HAVEN, FL 33880-1445 |
| Document Number | 0000148230 |
|---|---|
| Date | Jun 8, 2021 |
| Book Page | 11750/79 |
| Instrument | 2021148230 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2036 |
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 | $41,828 (+2.7%) | $156,583 (-0.05%) Land $14,500 Building $142,083 | |
| 2025 | $138.00 (-82.03%) Homeowner's exemption | $40,728 (+2.9%) | $156,662 (-3.38%) Land $14,500 Building $142,162 |
| 2024 | $768.00 (+24.27%) Homeowner's exemption | $39,580 (+3%) | $162,139 (+4.67%) Land $14,500 Building $147,639 |
| 2023 | $618.00 (-1.75%) Homeowner's exemption | $38,427 (+3%) | $154,903 (+8.57%) Land $14,000 Building $140,903 |
| 2022 | $629.00 Homeowner's exemption | $37,308 | $142,672 Land $11,500 Building $131,172 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2008) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2008 · Tropical Storm Fay |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond 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 | CENTRAL serves 13,595 people · EPA ID FL6534609 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 10 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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