Polk County property record for 105 Andreas St, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,844 sqft · built 2021 |
| Lot Size | 0.199 acres (8,664 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $303,000 (Aug 2021) |
| Tax Bill | $4,619 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-02-522103-001370 |
| Primary APN | 26-28-02-522103-001370 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,844 sqft Living Area |
| Gross Area | 2,264 sqft |
| 1st Floor Area | 1,844 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,664 sqft (0.199 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Unfinished Open Porch |
| Street Address | 105 ANDREAS ST |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-9738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 137 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 02 |
| Legal Subdivision | LUCERNE PARK RESERVE |
| Legal Block | 2 |
| Legal Lot Number | 137 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 12804 |
Source: Polk County records, as of June 23, 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 | 105 ANDREAS ST, WINTER HAVEN, FL 33881-9738 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 26, 2022 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Aug 20, 2021 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2021 · Amount on Record |
| Deed Sale | Aug 20, 2021 · Amount on Record |
| Deed Document Number | 2021217648 |
| Deed Book / Page | 11856 / 1188 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 105 ANDREAS ST, WINTER HAVEN, FL 33881-9738 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 105 ANDREAS ST, WINTER HAVEN, FL 33881-9738 |
| Document Number | 0000202800 |
|---|---|
| Date | Jul 26, 2022 |
| Book Page | 12353/427 |
| Instrument | 2022202800 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 4, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 20, 2021 |
| Property Address | 105 ANDREAS ST, WINTER HAVEN, FL 33881-9738 |
| Document Number | 0000217648 |
| Book / Page | 11856 / 1188 |
| Map Reference | MB 176 PG 43-49 |
| Instrument Date | Aug 17, 2021 |
| Instrument | 2021217648 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 23, 2023 |
| Title Company | CAREFREE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,121.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5337 MILLENIA LAKES BLVD STE 235, 235, ORLANDO, FL 32839-6302 |
| Name | Verified Name |
|---|---|
| Address | 105 ANDREAS ST, WINTER HAVEN, FL 33881-9738 |
| Document Number | 0118561191 |
|---|---|
| Date | Aug 20, 2021 |
| Instrument | 11856/1191 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: Polk County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,619.00 (-40.18%) | $247,044 (-7.27%) Land $50,000 Building $197,044 | $247,044 (-7.27%) Land $50,000 Building $197,044 |
| 2023 | $7,722.00 (+5.02%) | $266,399 (+8.71%) Land $48,000 Building $218,399 | $266,399 (+8.71%) Land $48,000 Building $218,399 |
| 2022 | $7,353.00 | $245,053 Land $40,000 Building $205,053 | $245,053 Land $40,000 Building $205,053 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 20 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 7 (2004–2023) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Apr 2023 · rainfall accumulation |
| Claims by Event |
|
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 | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 508 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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