104 Sanderling Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 104 Sanderling Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,277 sqft · built 2004
Lot Size	0.299 acres (13,016 sqft)
Owner	2 Individual Names on Record
Last Sale	$441,500 (Jul 2024)
Tax Bill	$6,244 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-13-532313-000310`

Property Details

APN / Parcel Number

Primary APN	`26-28-13-532313-000310`
Alternative APNs	`132826532313000310` `32826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,277 sqft Living Area
Gross Area	2,853 sqft
1st Floor Area	2,277 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2014
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	13,016 sqft (0.299 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Pool Type	Enclosed Pool
Porch	Florida Room
Porch Area	335 sqft

Location & Zoning

Street Address	104 SANDERLING DR
City	WINTER HAVEN
State	FL
Zip	33881-8255
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMILTON WEST PHASE ONE PB 121 PGS 22 & 23 LOT 31
Legal Range	26E
Legal Township	28S
Legal Section	13
Legal Subdivision	HAMILTON WEST PHASE ONE
Legal Phase	1
Legal Tract	532313
Legal Block	2
Legal Lot Number	31
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2010
Census Tract	12802

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 Record	2 Individual Names on Record
Mailing Address	104 SANDERLING DR, WINTER HAVEN, FL 33881-8255
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Feb 10, 2023	Warranty Deed, Transfer · Balloon Mortgage TAYLOR MADE LENDING LLC
May 22, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2024 · Amount on Record
Deed Sale	Jul 9, 2024 · Amount on Record
Prior Sale	Feb 10, 2023 · Amount on Record
Deed Document Number	2024155636
Deed Book / Page	13179 / 2203
Prior Transfer Date	Mar 30, 2014
Prior Transfer Doc	0000098931
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Jul 8, 2026
Property Address	104 SANDERLING DR, WINTER HAVEN, FL 33881-8255
Document Number	0000161942
Book / Page	14066 / 2258
Instrument Date	Jun 29, 2026
Instrument	2026161942
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SANDERLING DR, WINTER HAVEN, FL 33881-8255

Mortgage

Document Number	0000161942,
Date	Jul 8, 2026
Book Page	14066/2258
Instrument	2026161942

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 10, 2023
Property Address	104 SANDERLING DR, WINTER HAVEN, FL 33881-8255
Document Number	0000033311
Book / Page	12580 / 170
Map Reference	MB 121 PG 22&23
Instrument Date	Feb 9, 2023
Instrument	2023033311
Transaction Type	Transfer
Record Updated	Feb 24, 2023
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 SANDERLING DR, WINTER HAVEN, FL 33881-8254

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SANDERLING DR, WINTER HAVEN, FL 33881-8255

Mortgage

Document Number	0012580173
Date	Feb 10, 2023
Instrument	12580/173

Lender

Name	TAYLOR MADE LENDING LLC
Type	Mortgage Company

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	2 Months
Due	Apr 1, 2023

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	May 22, 2017
Property Address	104 SANDERLING DR, WINTER HAVEN, FL 33881-8255
Document Number	0101530510
Book / Page	010153 / 000510
Instrument Date	Apr 13, 2017
Instrument	97081
Transaction Type	Transfer
Record Updated	Jun 27, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SANDERLING DR WINTER HAVEN FL 338818255, WINTER HAVEN, FL 33881-8255

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$330,970 (-0.9%) Land $60,000 Building $270,970	$330,970 (-0.9%) Land $60,000 Building $270,970
2025	$6,244.00 (+6.44%)	$333,979 (+63.83%) Land $60,000 Building $273,979	$333,979 (+0.25%) Land $60,000 Building $273,979
2024	$5,866.00 (+92.9%)
2023	$3,041.00 (+3.01%)	$203,855 (+3%)	$333,153 (+17.78%) Land $58,000 Building $275,153
2022	$2,952.00 Homeowner's exemption	$197,917	$282,863 Land $48,000 Building $234,863

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.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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