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905 E Heron Cir, Winter Haven, FL 33884 Property Records

Polk County property record for 905 E Heron Cir, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,640 sqft · built 1982
Lot Size0.217 acres (9,439 sqft)
Owner2 Individual Names on Record
Last Sale$280,000 (Dec 2021)
Tax Bill$3,123 (2025)
Deeds & MortgagesDec 2021 Sale & Mortgage
Oct 2021 Sale
+ 3 more
Flood ZoneZone X (minimal risk)
APN26-29-01-663520-001730

Property Details

APN / Parcel Number

Primary APN26-29-01-663520-001730
Alternative APNs
  • 012926663520001730
  • 12926000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,640 sqft Living Area
Gross Area2,081 sqft
1st Floor Area1,530 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1982
Effective Year BuiltEffective 2012
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialMetal
Lot Area9,439 sqft (0.217 acres)
Lot Dimensions118 ft deep x 80 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area441 sqft
PorchFlorida Room
Porch Area126 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address905 E HERON CIR
CityWINTER HAVEN
StateFL
Zip33884-2511
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionGARDEN GROVE SOUTH ADDITION PB 64 PG 22 LOT 173
Legal Range26E
Legal Township29S
Legal Section01
Legal SubdivisionGARDEN GROVE SOUTH ADDITION
Legal Tract663520
Legal Block2
Legal Lot Number173
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2002
Census Tract14001

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 Record2 Individual Names on Record
Mailing Address905 E HERON CIR, WINTER HAVEN, FL 33884-2511
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 20, 2021Warranty Deed, Transfer · VA Mortgage
UNITED WHOLESALE MORTGAGE
Oct 13, 2021Warranty Deed, Transfer
FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Jan 11, 2021Warranty Deed, Transfer
FAIRWAY INDEPENDENT MTG
Aug 20, 2019Quit Claim Deed, Mortgage · Line of Credit
CITIZENS BK
Nov 9, 2017Warranty Deed, Transfer
VIRZI PROPERTIES INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 20, 2021 · Amount on Record
Deed SaleDec 20, 2021 · Amount on Record
Prior SaleOct 13, 2021 · Amount on Record
Deed Document Number2021330360
Deed Book / Page12034 / 888
Prior Transfer DateAug 16, 2019
Prior Transfer Doc0000175052
Record UpdatedOct 29, 2026

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateDec 20, 2021
Property Address905 E HERON CIR, WINTER HAVEN, FL 33884-2511
Document Number0000330360
Book / Page12034 / 888
Map ReferenceMB 64 PG 22
Instrument DateDec 15, 2021
Instrument2021330360
Transaction TypeTransfer
Record UpdatedJan 10, 2022
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,960.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

NameVerified Name
Address905 E HERON CIR, WINTER HAVEN, FL 33884-2511

Mortgage

Document Number0012034890
DateDec 20, 2021
Instrument12034/890
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2052

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateOct 13, 2021
Property Address905 E HERON CIR, WINTER HAVEN, FL 33884-2511
Document Number0000267629
Book / Page11936 / 1995
Map ReferenceMB 64 PG 22
Instrument DateOct 8, 2021
Instrument2021267629
Transaction TypeTransfer
Record UpdatedJul 1, 2026
Title CompanyFIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
Tax$1,718.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6218 MOSSMAN PL NE, ALBUQUERQUE, NM 87110-2127

Transferred To (Grantee/Buyer)

NameVerified Name
Address2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
InvestorPossibly a Property Investor

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJan 11, 2021
Property Address905 E HERON CIR, WINTER HAVEN, FL 33884-2511
Document Number0115321341
Book / Page011532 / 001341
Instrument DateNov 24, 2020
Instrument6653
Transaction TypeTransfer
Record UpdatedJan 25, 2021
Title CompanyCELEBRATION TITLE GROUP

Transaction

AmountAmount Recorded
Tax$11.00
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address905 E HERON CIR WINTER HAVEN FL 338842511, WINTER HAVEN, FL 33884-2511

Mortgage

Document Number115321349
DateJan 11, 2021
Book Page011532/001349
Instrument6656
Lender
NameFAIRWAY INDEPENDENT MTG
TypeMortgage Company
AddressCARROLLTON, TX 75007
Agreement
AmountAmount Recorded
Term360 Months
DueJan 10, 2051

August 2019: Quit Claim Deed, Mortgage

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateAug 20, 2019
Property Address905 E HERON CIR, WINTER HAVEN, FL 33884-2511
Document Number0109450871
Book / Page010945 / 000871
Instrument DateAug 16, 2019
Instrument175052
Transaction TypeMortgage
Record UpdatedSep 2, 2019
Title CompanyRIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address6334 CYPRESS GARDENS BLVD WINTER HAVEN FL 338843176, WINTER HAVEN, FL 33884-3176

Mortgage

Document Number109450856
DateAug 20, 2019
Book Page010945/000856
Instrument175050
Lender
NameCITIZENS BK
TypeBank
AddressFROSTPROOF, FL 33843
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

November 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateNov 9, 2017
Property Address905 E HERON CIR, WINTER HAVEN, FL 33884-2511
Document Number0103100237
Book / Page010310 / 000237
Instrument DateNov 7, 2017
Instrument215278
Transaction TypeTransfer
Record UpdatedJan 3, 2018
Title CompanyREAL ESTATE TITLE SERVICES LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,050.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address6334 CYPRESS GARDENS BLVD WINTER HAVEN FL 338843176, WINTER HAVEN, FL 33884-3176

Mortgage

Document Number103100238
DateNov 9, 2017
Book Page010310/000238
Instrument215279
Lender
NameVIRZI PROPERTIES INC
Agreement
AmountAmount Recorded
Term60 Months
DueNov 8, 2022

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$218,908 (-9.37%) Land $35,000 Building $183,908$218,908 (-9.37%) Land $35,000 Building $183,908
2025$3,123.00 (-13.97%)$241,551 (+0.42%) Land $35,000 Building $206,551$241,551 (+0.42%) Land $35,000 Building $206,551
2023$3,630.00 (+3.48%)$240,549 (+4.3%) Land $34,000 Building $206,549$240,549 (+4.3%) Land $34,000 Building $206,549
2022$3,508.00$230,642 Land $28,000 Building $202,642$230,642 Land $28,000 Building $202,642

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

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
Flood Insurance CostPremium on Record
median of 11 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies11 in force
Nearby Flood Claims3 (2017–2022)
Claims Outside the SFHA1 of 3
Most Recent ClaimSep 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

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 308 locations within half a mile, as of December 31, 2025

ProviderMax 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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