4909 Willowbrook Cir, Winter Haven, FL 33884 Property Records

Polk County property record for 4909 Willowbrook Cir, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,636 sqft · built 1986
Lot Size	0.583 acres (25,413 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Sep 2023)
Tax Bill	$4,385 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-01-663530-000770`

Property Details

APN / Parcel Number

Primary APN	`26-29-01-663530-000770`
Alternative APNs	`012926663530000770` `12926000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,636 sqft Living Area
Gross Area	3,142 sqft
1st Floor Area	2,636 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	25,413 sqft (0.583 acres)
Lot Dimensions	280 ft deep x 90 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	506 sqft
Porch	Screened/Unfinished Porch
Porch Area	524 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4909 WILLOWBROOK CIR
City	WINTER HAVEN
State	FL
Zip	33884-2935
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	CYPRESS GROVE PHASE TWO STAGE ONE PB 67 PG 42 LOT 77 INCLUDING THOSE LANDS LYING SELY OF SAME & LYING IN LAKE AS DEPICTED ON SAID PLAT BY DASHED LINES EXTENDING SELY FROM NLY & SLY BOUNDARY LINES OF SAID LOT 77 SAID LANDS BEING ABANDONED IN OR 8302-8
Legal Range	26E
Legal Township	29S
Legal Section	01
Legal Subdivision	CYPRESS GROVE PHASE II STAGE I
Legal Phase	2
Legal Tract	663530
Legal Block	2
Legal Lot Number	77
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2000
Census Tract	14003

Owner

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	Individual Name on Record
Mailing Address	4909 WILLOWBROOK CIR, WINTER HAVEN, FL 33884-2935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2023 · Amount on Record
Deed Sale	Sep 26, 2023 · Amount on Record
Prior Sale	Dec 18, 1998 · Amount on Record
Deed Document Number	2023225066
Deed Book / Page	12848 / 1248
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 26, 2023
Property Address	4909 WILLOWBROOK CIR, WINTER HAVEN, FL 33884-2935
Document Number	0000225066
Book / Page	12848 / 1248
Map Reference	MB 67 PG 42
Instrument Date	Sep 15, 2023
Instrument	2023225066
Transaction Type	Transfer
Record Updated	Oct 10, 2023
Title Company	ALL REAL ESTATE TITLE SERVICES INC, REAL ESTATE TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	137 BRIGHTON CIR, AUBURNDALE, FL 33823-2164

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4909 WILLOWBROOK CIR, WINTER HAVEN, FL 33884-2935

Mortgage

Document Number	0128481249
Date	Sep 26, 2023
Instrument	12848/1249

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

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		$374,973 (-1.16%) Land $110,100 Building $264,873	$374,973 (-1.16%) Land $110,100 Building $264,873
2025	$4,385.00 (+125.22%) Homeowner's exemption	$379,357 (+101.64%) Land $110,100 Building $269,257	$379,357 (+3.45%) Land $110,100 Building $269,257
2023	$1,947.00 (+2.47%)	$188,132 (+3%)	$366,721 (-7.32%) Land $105,100 Building $261,621
2022	$1,900.00 Homeowner's exemption	$182,652	$395,669 Land $88,100 Building $307,569

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2005)
Most Recent Claim	Oct 2005 · Hurricane Wilma

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 Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 277 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