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1085 Sandpiper Loop, Winter Haven, FL 33881 Property Records

Polk County property record for 1085 Sandpiper Loop, Winter Haven, FL 33881 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,990 sqft · built 2024
Lot Size0.248 acres (10,803 sqft)
Owner2 Individual Names on File
Last Sale$366,100 (Sep 2024)
Tax Bill$3,245 (2025)
Deeds & MortgagesSep 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-14-533503-000210

Property Details

APN / Parcel Number

Primary APN26-28-14-533503-000210
Alternative APN
  • 142826533503000210

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,990 sqft Living Area
Gross Area2,494 sqft
1st Floor Area1,990 sqft

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area10,803 sqft (0.248 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area504 sqft
PorchScreened/Unfinished Porch
Porch Area238 sqft

Location & Zoning

Street Address1085 SANDPIPER LOOP
CityWINTER HAVEN
StateFL
Zip33881-5607
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCHESTNUT CREEK PB 189 PGS 24-27 LOT 21
Legal SubdivisionCHESTNUT CREEK
Legal Block2
Legal Lot Number21
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2017
Census Tract12802

Owner

Source: Polk County records · APN 26-28-14-533503-000210

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 Record2 Individual Names on File
Mailing Address1085 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5607
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 05, 2024 · Amount on Record
Deed SaleSep 05, 2024 · Amount on Record
Deed Document Number2024205423
Deed Book / Page13254 / 1697
Record UpdatedSep 20, 2026

September 2024: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateSep 05, 2024
Property Address1085 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5607
Document Number0000205423
Book / Page13254 / 1697
Map ReferenceMB 189 PG 24-27
Instrument DateAug 31, 2024
Instrument2024205423
Transaction TypeTransfer
Record UpdatedJan 13, 2026
Title CompanyINNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,562.70
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

NameVerified Name
Address1085 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5607

Mortgage

Document Number0132541699
DateSep 05, 2024
Instrument13254/1699
Lender
NameHOME SOLUTION LENDERS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,245.00 (+381.45%) Homeowner's exemption$285,298 (+470.6%) Land $52,000 Building $233,298$285,298 (+470.6%) Land $52,000 Building $233,298
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 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050128022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 39 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies39 in force
Nearby Flood Claims3 (2022–2023)
Claims Outside the SFHA3 of 3
Most Recent ClaimAug 2023, rainfall accumulation, Hurricane Idalia
Claims By Storm
  • Hurricane Ian, Sep 2022 · 2 claims

Wildfire

Wildfire RiskModerate
above 70% of the US · above 51% of Florida
Wildfire LikelihoodAbout 1 in 282 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 168 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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