Polk County property record for 1096 Sandpiper Loop, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,472 sqft · built 2022 |
| Lot Size | 0.249 acres (10,829 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $435,500 (Aug 2026) |
| Tax Bill | $618 (2024) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-14-533503-000740 |
| Primary APN | 26-28-14-533503-000740 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,472 sqft Living Area |
| Gross Area | 3,331 sqft |
| 1st Floor Area | 2,472 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,829 sqft (0.249 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 679 sqft |
| Porch | Florida Room |
| Porch Area | 110 sqft |
| Street Address | 1096 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 74 |
| Legal Subdivision | CHESTNUT CREEK |
| Legal Block | 2 |
| Legal Lot Number | 74 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 12802 |
Source: Polk County records, as of September 28, 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 | 1096 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 31, 2026 | Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CREDIT UNION |
| Nov 9, 2022 | Special Warranty Deed, Transfer · VA Mortgage VANDERBILT MORTGAGE & FINANCE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2026 · Amount on Record |
| Deed Sale | Aug 31, 2026 · Amount on Record |
| Prior Sale | Nov 9, 2022 · Amount on Record |
| Deed Document Number | 2026211504 |
| Deed Book / Page | 14136 / 501 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 31, 2026 |
| Property Address | 1096 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5600 |
| Document Number | 0000211504 |
| Book / Page | 14136 / 501 |
| Instrument Date | Aug 27, 2026 |
| Instrument | 2026211504 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | INTEGRITY FIRST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $307,898.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1096 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5600 |
| Document Number | 0000211505, |
|---|---|
| Date | Aug 31, 2026 |
| Instrument | 2026211505 |
| Name | MIDFLORIDA CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 9, 2022 |
| Property Address | 1096 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5600 |
| Document Number | 0000295322 |
| Book / Page | 12481 / 1145 |
| Map Reference | MB 189 PG 24-27 |
| Instrument Date | Nov 7, 2022 |
| Instrument | 2022295322 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2024 |
| Title Company | INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,072.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058 |
| Name | Verified Name |
|---|---|
| Address | 1096 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5600 |
| Document Number | 0124811147 |
|---|---|
| Date | Nov 9, 2022 |
| Instrument | 12481/1147 |
| Name | VANDERBILT MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $344,474 (+0.35%) Land $52,000 Building $292,474 | $344,474 (+0.35%) Land $52,000 Building $292,474 | |
| 2025 | $343,283 (-4.16%) Land $52,000 Building $291,283 | $343,283 (-4.16%) Land $52,000 Building $291,283 | |
| 2024 | $618.00 (+30.38%) | ||
| 2023 | $474.00 (+224.66%) Homeowner's exemption | $358,172 (+3,237.11%) Land $50,000 Building $308,172 | $358,172 (+3,237.11%) Land $50,000 Building $308,172 |
| 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.
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 |
|
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 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% 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 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 |
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