1073 Sandpiper Loop, Winter Haven, FL 33881 Property Records

Polk County property record for 1073 Sandpiper Loop, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,822 sqft · built 2024
Lot Size	0.248 acres (10,803 sqft)
Owner	2 Individual Names on Record
Last Sale	$48,600 (Oct 2023)
Tax Bill	$3,544 (2025)
Deeds & Mortgages	Oct 2023 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`26-28-14-533503-000180`

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533503-000180`
Alternative APN	`142826533503000180`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,822 sqft Living Area
Gross Area	2,242 sqft
1st Floor Area	1,822 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	10,803 sqft (0.248 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Slab
Porch Area	269 sqft

Location & Zoning

Street Address	1073 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 18
Legal Subdivision	CHESTNUT CREEK
Legal Block	2
Legal Lot Number	18
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2017
Census Tract	12802

Owner

Source: Polk County records, as of July 14, 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	1073 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5607
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2023 · Amount on Record
Deed Sale	Oct 17, 2023 · Amount on Record
Deed Document Number	2023245638
Deed Book / Page	12877 / 274
Record Updated	Sep 20, 2026

October 2023: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 17, 2023
Property Address	1073 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5607
Document Number	0000245638
Book / Page	12877 / 274
Map Reference	MB 189 PG 24-27
Instrument Date	Oct 6, 2023
Instrument	2023245638
Transaction Type	Construction Loan
Record Updated	Feb 5, 2024
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$340.20
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
Relationship	Joint Tenants with Right of Survivorship
Address	1073 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5607

Mortgage

Document Number	0012877276
Date	Oct 17, 2023
Instrument	12877/276

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Nov 1, 2054

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$3,544.00 (+425.82%)	$267,417 (+434.83%) Land $52,000 Building $215,417	$267,417 (+434.83%) Land $52,000 Building $215,417
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

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 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 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