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82 Cactus Cir S, Winter Haven, FL 33880 Property Records

Polk County property record for 82 Cactus Cir S, Winter Haven, FL 33880

Property Summary

Property TypeMobile Home
Details1,104 sqft · built 1992
Lot Size0.918 acres (39,997 sqft)
Owner2 Individual Names on Record
Last Sale$245,000 (Jun 2025)
Tax Bill$1,440 (2025)
Deeds & MortgagesMar 2026 Mortgage
Oct 2022 Sale
Flood ZoneZone X (minimal risk)
APN25-29-03-357011-000030

Property Details

APN / Parcel Number

Primary APN25-29-03-357011-000030
Alternative APNs
  • 032925357011000030
  • 32925000

Interior

Building Area1,104 sqft Living Area
1st Floor Area1,104 sqft

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Architectural StyleMobile Home
Lot Area39,997 sqft (0.918 acres)
Lot Dimensions400 ft deep x 100 ft wide
Shed1 Shed

Location & Zoning

Street Address82 CACTUS CIR S
CityWINTER HAVEN
StateFL
Zip33880-5087
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Legal DescriptionTHORNHILL ESTATES PB 88 PG 15 LOT 3
Legal Range25E
Legal Township29S
Legal Section03
Legal SubdivisionTHORNHILL ESTATES
Legal Tract357011
Legal Block2
Legal Lot Number3
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2017
Census Tract14704

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address82 CACTUS CIR S, WINTER HAVEN, FL 33880-5087
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Mar 31, 2026Deed of Trust, Mortgage · VA Mortgage
NEIGHBORHOOD MORTGAGE COMPANY LLC
Oct 24, 2022Warranty Deed, Transfer
EXECUTIVE TITLE/CTRL FL INC, EXECUTIVE TTL OF CTRL FL INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 27, 2025 · Amount on Record
Deed SaleJun 27, 2025 · Amount on Record
Prior SaleOct 24, 2022 · Amount on Record
Deed Document Number2025150411
Deed Book / Page13602 / 106
Record UpdatedOct 29, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address82 CACTUS CIR S, WINTER HAVEN, FL 33880-5087
Transaction TypeMortgage
Record UpdatedApr 16, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address82 CACTUS CIT 9, WINTER HAVEN, FL 33880

Mortgage

Document Number0000076340
DateMar 31, 2026
Book Page13939/1334
Instrument2026076340
Lender
NameNEIGHBORHOOD MORTGAGE COMPANY LLC
TypeMortgage Company
AddressDEARBORN, MI 48124
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2056

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateOct 24, 2022
Property Address82 CACTUS CIR S, WINTER HAVEN, FL 33880-5087
Document Number0000279592
Book / Page12459 / 1316
Map ReferenceMB 88 PG 15
Instrument DateOct 14, 2022
Instrument2022279592
Transaction TypeTransfer
Record UpdatedNov 7, 2022
Title CompanyEXECUTIVE TITLE/CTRL FL INC, EXECUTIVE TTL OF CTRL FL INC

Transaction

AmountAmount Recorded
Tax$770.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8133 ABC ROAD, 8133, BARTOW, FL 33830

Transferred To (Grantee/Buyer)

NameVerified Name
Address3700 GERBER DAIRY RD, WINTER HAVEN, FL 33880-5606

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$121,507 (+9.08%) Land $21,000 Building $100,507$121,507 (+9.08%) Land $21,000 Building $100,507
2025$1,440.00 (-29.27%)$111,396 (+9.67%) Land $21,000 Building $90,396$111,396 (+9.67%) Land $21,000 Building $90,396
2024$2,036.00 (+12.74%)
2023$1,806.00 (+129.19%)$101,572 (+94.3%) Land $20,000 Building $81,572$101,572 (+6.12%) Land $20,000 Building $81,572
2022$788.00 Homeowner's exemption$52,276$95,711 Land $16,500 Building $79,211

Assessed value is set for property tax purposes, not a market price estimate; it is 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies6 in force

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 RiskModerate
above 52% of the US · lower than 76% of Florida
Wildfire Likelihood0.3% 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 SystemCENTRAL
serves 13,595 people · EPA ID FL6534609
Water SourceGroundwater
Last State InspectionApr 2023
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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