Polk County property record for 4910 Willowbrook Cir, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,695 sqft · built 1979 |
| Lot Size | 0.252 acres (10,968 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $184,843 (May 2020) |
| Tax Bill | $2,263 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit May 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-01-663530-000840 |
| Primary APN | 26-29-01-663530-000840 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,695 sqft Living Area |
| Gross Area | 2,511 sqft |
| 1st Floor Area | 1,695 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,968 sqft (0.252 acres) |
| Lot Dimensions | 92 ft deep x 120 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Porch | Florida Room |
| Porch Area | 444 sqft |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|
| Street Address | 4910 WILLOWBROOK CIR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2934 |
| 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 84 |
| 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 | 84 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 14003 |
Source: Polk County records · APN 26-29-01-663530-000840
Assessment roll updated June 23, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 4910 WILLOWBROOK CIR, WINTER HAVEN, FL 33884-2934 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Aug 10, 2023 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| May 05, 2020 | Warranty Deed, Transfer · FHA Mortgage SWBC MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 05, 2020 · Amount on Record |
| Deed Sale | May 05, 2020 · Amount on Record |
| Prior Sale | Sep 15, 1993 · Amount on Record |
| Deed Document Number | 202091545 |
| Deed Book / Page | 11225 / 2300 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4910 WILLOWBROOK CIR, WINTER HAVEN, FL 33884-2934 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4910 WILLOWBROOK CIR, WINTER HAVEN, FL 33884-2934 |
| Document Number | 0000187396 |
|---|---|
| Date | Aug 10, 2023 |
| Book Page | 12796/1116 |
| Instrument | 2023187396 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BURLINGAME, CA 94010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 05, 2020 |
| Property Address | 4910 WILLOWBROOK CIR, WINTER HAVEN, FL 33884-2934 |
| Document Number | 0112252300 |
| Book / Page | 011225 / 002300 |
| Instrument Date | Apr 30, 2020 |
| Instrument | 91545 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2020 |
| Title Company | REAL ESTATE TITLE, REAL ESTATE TITLE SVCS CORP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,594.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4910 WILLOWBROOK CIR WINTER HAVEN FL 338842934, WINTER HAVEN, FL 33884-2934 |
| Document Number | 112252301 |
|---|---|
| Date | May 05, 2020 |
| Book Page | 011225/002301 |
| Instrument | 91546 |
| Name | SWBC MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN ANTONIO, TX 78216 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 04, 2050 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,263.00 (-16.68%) Homeowner's exemption | $215,265 (+5.99%) | $267,856 (+8.04%) Land $42,000 Building $225,856 |
| 2023 | $2,716.00 (+4.3%) Homeowner's exemption | $203,105 (+3%) | $247,919 (-10.08%) Land $40,000 Building $207,919 |
| 2022 | $2,604.00 Homeowner's exemption | $197,189 | $275,709 Land $33,000 Building $242,709 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 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 |
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 277 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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