Polk County property record for 912 E Heron Cir, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,502 sqft · built 1980 |
| Lot Size | 0.202 acres (8,782 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $310,000 (Aug 2026) |
| Tax Bill | $359 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Apr 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-01-663520-001250 |
| Primary APN | 26-29-01-663520-001250 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,502 sqft Living Area |
| Gross Area | 2,008 sqft |
| 1st Floor Area | 1,502 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,782 sqft (0.202 acres) |
| Lot Dimensions | 128 ft deep x 70 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 176 sqft |
| Cooling System | Central |
|---|
| Street Address | 912 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 125 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 01 |
| Legal Subdivision | GARDEN GROVE SOUTH ADDITION |
| Legal Tract | 663520 |
| Legal Block | 2 |
| Legal Lot Number | 125 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 912 E HERON CIR, WINTER HAVEN, FL 33884-2510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Aug 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage OCMBC INC |
| Apr 16, 2026 | Warranty Deed, Transfer PC TITLE, PCG TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2026 · Amount on Record |
| Deed Sale | Aug 17, 2026 · Amount on Record |
| Prior Sale | Apr 16, 2026 · Amount on Record |
| Deed Document Number | 2026197906 |
| Deed Book / Page | 14118 / 453 |
| Prior Transfer Date | Nov 30, 2016 |
| Prior Transfer Doc | 0100050653 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 17, 2026 |
| Property Address | 912 E HERON CIR, WINTER HAVEN, FL 33884-2510 |
| Document Number | 0000197906 |
| Book / Page | 14118 / 453 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 2026197906 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Title Company | PRO TITLE INSURANCE AGENCY LLC, PCG TRTLE INSURANCE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $219,170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 912 E HERON CIR, WINTER HAVEN, FL 33884-2510 |
| Document Number | 0000197907, |
|---|---|
| Date | Aug 17, 2026 |
| Book Page | 14118/455 |
| Instrument | 2026197907 |
| Name | OCMBC INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 16, 2026 |
| Property Address | 912 E HERON CIR, WINTER HAVEN, FL 33884-2510 |
| Document Number | 0000090462 |
| Book / Page | 13960 / 1374 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 2026.90462 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2026 |
| Title Company | PC TITLE, PCG TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $120,190.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 800 SE 4TH AVE, 619, HALLANDALE BEACH, FL 33009-6495 |
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 | $98,652 (+2.28%) | $247,285 (+1.34%) Land $35,000 Building $212,285 | |
| 2025 | $359.00 (-62.72%) | $96,453 (+5.99%) | $244,012 (+1.39%) Land $35,000 Building $209,012 |
| 2024 | $963.00 (+18.74%) | ||
| 2023 | $811.00 (+1.5%) Homeowner's exemption | $91,005 (+3%) | $240,661 (+5.87%) Land $34,000 Building $206,661 |
| 2022 | $799.00 Homeowner's exemption | $88,354 | $227,315 Land $28,000 Building $199,315 |
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.
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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