454 Cottage Cir, River Ranch, FL 33867 Property Records

Polk County property record for 454 Cottage Cir, River Ranch, FL 33867

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,146 sqft · built 1966
Lot Size	0.036 acres (1,580 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Jun 2026)
Tax Bill	$2,530 (2025)
Deeds & Mortgages	Jun 2026 Sale Apr 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`31-31-23-996012-004540`

Property Details

APN / Parcel Number

Primary APN	`31-31-23-996012-004540`
Alternative APNs	`233131996012004540` `33131000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,146 sqft Living Area
1st Floor Area	1,146 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gambrel
Roof Material	Other
Lot Area	1,580 sqft (0.036 acres)
Porch	Screened/Unfinished Porch
Porch Area	402 sqft

Location & Zoning

Street Address	454 COTTAGE CIR
City	RIVER RANCH
State	FL
Zip	33867
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	OUTDOOR RESORTS RIVER RANCH INN & COTTAGES A CONDOMINIUM PHASE 1 COND BK 9 PGS 14/15 OR BK 2527 PGS 2147 THRU 2244 UNIT 454 & AN UNDIVIDED SHARE IN THE LAND & COMMON ELEMENTS AS PER CONDO DECLARATION
Legal Range	31E
Legal Township	31S
Legal Section	23
Legal Subdivision	OUTDOOR RESORTS RIVER RANCH INN AND COTT
Legal Phase	1
Legal Tract	996012
Legal Block	4
Legal Unit	454
Jurisdiction	POLK FL
Township / Civil Division	FROSTPROOF
Census Block Group	4
Census Block	4034
Census Tract	15702

Owner

454 Cottage Cir, a condominium, is owned and occupied by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	454 COTTAGE CIR, RIVER RANCH, FL 33867
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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

Date	Document
Jun 29, 2026	Warranty Deed, Transfer TITLE EXCHANGE
Apr 18, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2026 · Amount on File
Deed Sale	Jun 29, 2026 · Amount on File
Prior Sale	Apr 18, 2023 · Amount on File
Deed Document Number	2026155026
Deed Book / Page	14056 / 247
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 29, 2026
Property Address	454 COTTAGE CIR, RIVER RANCH, FL 33867
Document Number	0000155026
Book / Page	14056 / 247
Instrument Date	Jun 26, 2026
Instrument	2026155026
Transaction Type	Transfer
Record Updated	Jul 9, 2026
Title Company	TITLE EXCHANGE

Transaction

Amount	Amount on Record
Tax	$155,540.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 COTTAGE CIR, RIVER RANCH, FL 33867

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 18, 2023
Property Address	454 COTTAGE CIR E, RIVER RANCH, FL 33867
Document Number	0000088443
Book / Page	12655 / 1952
Map Reference	MB 2527 PG 2147
Instrument Date	Apr 14, 2023
Instrument	2023088443
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,785.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 RUDDER CT, LAKE SAINT LOUIS, MO 63367-2100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13455 N INDIAN RIVER DR, SEBASTIAN, FL 32958-3457

Tax Assessment & Valuation

The 2025 property tax bill for 454 Cottage Cir was $2,530, down 11.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$212,000 (+8.72%) Land $100 Building $211,900	$212,000 (+8.72%) Land $100 Building $211,900
2025	$2,530.00 (-11.72%)	$195,000 Land $100 Building $194,900	$195,000 Land $100 Building $194,900
2024	$2,866.00 (+50.21%)
2023	$1,908.00 (+10.35%)	$150,500 (+14.89%) Land $100 Building $150,400	$150,500 (+14.89%) Land $100 Building $150,400
2022	$1,729.00	$131,000 Land $100 Building $130,900	$131,000 Land $100 Building $130,900

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

Flood

FEMA maps place 454 Cottage Cir in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 26 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	72 units insured incl. 46 condo units
Nearby Flood Claims	3 (2011–2022)
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.

Wildfire

Wildfire risk around 454 Cottage Cir is high, ranking above 87% of the US, with a 1% annual chance of wildfire.

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

Wildfire Risk	High above 87% of the US · above 80% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 System	WESTGATE RIVER RANCH ; RV RESORT private · serves 2,100 people · EPA ID FL3531517
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	6 ppb (2024) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes resolved · Apr 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 230 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cottage Cir

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