1045 Sandpiper Loop, Winter Haven, FL 33881 Property Records

Polk County property record for 1045 Sandpiper Loop, Winter Haven, FL 33881 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2023
Square Footage	2,323 sqft Living Area
Lot Size	12,776 sqft (0.293 acres)
Occupancy	Owner Occupied
Last Sale	$445,200 (2023)
Tax Bill	$2,398.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533503-000110`
Alternative APN	`142826533503000110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,323 sqft Living Area
Gross Area	3,164 sqft Gross Area
1st Floor	2,323 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Stucco Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Hip Roof Construction
Roof Material	Other (not Classified) Roof
Lot Area	12,776 sqft (0.293 acres)
Garage Type	Attached Garage
Garage Area	841 sqft Garage
Porch Area	336 sqft Porch

Location & Zoning

Street Address	1045 SANDPIPER LOOP
City	WINTER HAVEN
State	FL
Zip	33881-5607
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	CHESTNUT CREEK PB 189 PGS 24-27 LOT 11
Legal Subdivision	CHESTNUT CREEK
Legal Block	2
Legal Lot Number	11
Jurisdiction	POLK FL
Minor Civil Division	WINTER HAVEN-AUBURNDALE
Census Blockgroup	2
Census Block	2017
Census Tract	12802

Owner

Source: Polk County records · APN 26-28-14-533503-000110

Assessment roll updated July 23, 2026 · Last verified August 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 File
Mailing Address	1045 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5607
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 27, 2023 · Amount on Record
Deed Sale	Sep 27, 2023 · Amount on Record
Deed Doc Number	2023226054
Deed Book / Page	12849 / 2128
Record Refreshed	Sep 20, 2026

September 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 27, 2023
Property Address	1045 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5607
Document Number	0000226054
Book / Page	12849 / 2128
Map Reference	MB 189 PG 24-27
Instrument Date	Sep 19, 2023
Instrument	2023226054
Transaction Type	Transfer
Record Updated	Feb 05, 2024
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,116.40
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

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	1045 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5607

Mortgage

Document Number	0128492130
Date	Sep 27, 2023
Instrument	12849/2130

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,398.00 (+255.79%) Homeowner's exemption	$221,424 (+342.85%)	$336,106 (+572.21%) Land $52,000 Building $284,106
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

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 67% of the US · above 44% of Florida
Wildfire Likelihood	About 1 in 307 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.