Polk County property record for 902 E Heron Cir, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,961 sqft · built 1979 |
| Lot Size | 0.215 acres (9,348 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $215,000 (Jun 2018) |
| Tax Bill | $1,306 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Dec 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-01-663520-001300 |
| Primary APN | 26-29-01-663520-001300 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,961 sqft Living Area |
| Gross Area | 2,511 sqft |
| 1st Floor Area | 1,961 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,348 sqft (0.215 acres) |
| Lot Dimensions | 110 ft deep x 85 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 110 sqft |
| Cooling System | Central |
|---|
| Street Address | 902 E HERON CIR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | GARDEN GROVE SOUTH ADDITION PB 64 PG 22 LOT 130 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 01 |
| Legal Subdivision | GARDEN GROVE SOUTH ADDITION |
| Legal Tract | 663520 |
| Legal Block | 2 |
| Legal Lot Number | 130 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 14001 |
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 | 902 E HERON CIR, WINTER HAVEN, FL 33884-2510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 9, 2025 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Dec 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU |
| Jun 26, 2018 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2018 · Amount on Record |
| Deed Sale | Jun 26, 2018 · Amount on Record |
| Prior Sale | Oct 17, 2006 · Amount on Record |
| Deed Document Number | 2018136773 |
| Deed Book / Page | 10530 / 485 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 902 E HERON CIR, WINTER HAVEN, FL 33884-2510 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000210073 |
|---|---|
| Date | Sep 9, 2025 |
| Book Page | 13690/1411 |
| Instrument | 2025210073 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 15, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 902 E HERON CIR, WINTER HAVEN, FL 33884-2510 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2022 |
| Title Company | ADVANTAGEONE TITLE, ADVANTAGE TITLE |
| Name | Verified Name |
|---|---|
| Address | 902 E HERON CIR, WINTER HAVEN, FL 33884-2510 |
| Document Number | 0000334275 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 12041/185 |
| Instrument | 2021334275 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 26, 2018 |
| Property Address | 902 E HERON CIR, WINTER HAVEN, FL 33884-2510 |
| Document Number | 0105300485 |
| Book / Page | 010530 / 000485 |
| Instrument Date | Jun 21, 2018 |
| Instrument | 136773 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2018 |
| Title Company | REAL ESTATE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 902 E HERON CIR WINTER HAVEN FL 338842510, WINTER HAVEN, FL 33884-2510 |
| Document Number | 105300486 |
|---|---|
| Date | Jun 26, 2018 |
| Book Page | 010530/000486 |
| Instrument | 136774 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 25, 2048 |
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 | $145,086 (+2.7%) | $281,975 (+3.06%) Land $35,000 Building $246,975 | |
| 2025 | $1,306.00 (-23.27%) Homeowner's exemption | $141,272 (+5.99%) | $273,603 (+1.67%) Land $35,000 Building $238,603 |
| 2023 | $1,702.00 (+3.97%) Homeowner's exemption | $133,292 (+3%) | $269,105 (+3.9%) Land $34,000 Building $235,105 |
| 2022 | $1,637.00 Homeowner's exemption | $129,410 | $258,998 Land $28,000 Building $230,998 |
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 |
|---|---|
| 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 | 3 (2017–2022) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 308 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 |
| Starlink Satellite | 280 / 30 |
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