1033 Sandpiper Loop, Winter Haven, FL 33881 Property Records

Polk County property record for 1033 Sandpiper Loop, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,321 sqft · built 2024
Lot Size	0.262 acres (11,417 sqft)
Owner	2 Individual Names on File
Last Sale	$426,900 (Oct 2024)
Tax Bill	$4,333 (2025)
Deeds & Mortgages	Oct 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-14-533503-000080`

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533503-000080`
Alternative APN	`142826533503000080`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,321 sqft Living Area
Gross Area	3,043 sqft
1st Floor Area	2,321 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	11,417 sqft (0.262 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	722 sqft
Porch	Unfinished Open Porch
Porch Area	279 sqft

Location & Zoning

Street Address	1033 SANDPIPER LOOP
City	WINTER HAVEN
State	FL
Zip	33881-5607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHESTNUT CREEK PB 189 PGS 24-27 LOT 8
Legal Subdivision	CHESTNUT CREEK
Legal Block	2
Legal Lot Number	8
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2017
Census Tract	12802

Owner

1033 Sandpiper Loop is owned and occupied by two individuals who bought it in October 2024.

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 Record	2 Individual Names on File
Mailing Address	1033 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5607
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2024 · Amount on File
Deed Sale	Oct 29, 2024 · Amount on File
Deed Document Number	2024244253
Deed Book / Page	13312 / 501
Record Updated	Oct 29, 2026

October 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 29, 2024
Property Address	1033 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5607
Document Number	0000244253
Book / Page	13312 / 501
Map Reference	MB 189 PG 24-27
Instrument Date	Oct 24, 2024
Instrument	2024244253
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,988.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1033 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5607

Mortgage

Document Number	0013312503
Date	Oct 29, 2024
Instrument	13312/503

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 1033 Sandpiper Loop was $4,333 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$328,057 (+0.34%) Land $52,000 Building $276,057	$328,057 (+0.34%) Land $52,000 Building $276,057
2025	$4,333.00	$326,939 Land $52,000 Building $274,939	$326,939 Land $52,000 Building $274,939
2023	$674.00 (+361.64%)	$50,000 (+365.85%) Land $50,000	$50,000 (+365.85%) Land $50,000
2022	$146.00	$10,733 Land $10,733	$10,733 Land $10,733

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1033 Sandpiper Loop in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2022.

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 File median of 39 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	3 (2022–2023)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2023 · Hurricane Idalia
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims

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

Wildfire risk around 1033 Sandpiper Loop is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30