1090 Sandpiper Loop, Winter Haven, FL 33881 Property Records

Polk County property record for 1090 Sandpiper Loop, Winter Haven, FL 33881 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,387 sqft · built 2023
Lot Size	0.249 acres (10,829 sqft)
Owner	Individual Name on File
Last Sale	$421,200 (May 2023)
Tax Bill	$3,806 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-14-533503-000760`

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533503-000760`
Alternative APN	`142826533503000760`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,387 sqft Living Area
Gross Area	3,045 sqft
1st Floor Area	2,387 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	10,829 sqft (0.249 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	658 sqft
Porch	Screened/Unfinished Porch
Porch Area	56 sqft

Location & Zoning

Street Address	1090 SANDPIPER LOOP
City	WINTER HAVEN
State	FL
Zip	33881-5600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHESTNUT CREEK PB 189 PGS 24-27 LOT 76
Legal Subdivision	CHESTNUT CREEK
Legal Block	2
Legal Lot Number	76
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2017
Census Tract	12802

Owner

Source: Polk County records · APN 26-28-14-533503-000760

Assessment roll updated June 23, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1090 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5600
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 10, 2023 · Amount on Record
Deed Sale	May 10, 2023 · Amount on Record
Deed Document Number	2023108770
Deed Book / Page	12685 / 681
Record Updated	Sep 20, 2026

May 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 10, 2023
Property Address	1090 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5600
Document Number	0000108770
Book / Page	12685 / 681
Map Reference	MB 189 PG 24-27
Instrument Date	May 04, 2023
Instrument	2023108770
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	$2,948.40
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
Address	1090 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5600

Mortgage

Document Number	0012685683
Date	May 10, 2023
Instrument	12685/683

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 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	$3,806.00 (+332.5%) Homeowner's exemption	$327,619 (+555.24%) Land $52,000 Building $275,619	$327,619 (+555.24%) Land $52,000 Building $275,619
2023	$880.00 (+502.74%)	$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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 39 individual NFIP policies nearby
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, rainfall accumulation, Hurricane Idalia
Claims By Storm	Hurricane Ian, Sep 2022 · 2 claims

Wildfire

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	About 1 in 282 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 80 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

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