110 Andreas St, Winter Haven, FL 33881 Property Records

Polk County property record for 110 Andreas St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,980 sqft · built 2020
Lot Size	0.132 acres (5,750 sqft)
Owner	2 Individual Names on File
Last Sale	$228,043 (Dec 2020)
Tax Bill	$4,802 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage May 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522103-000020`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522103-000020`
Alternative APNs	`022826522103000020` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,980 sqft Living Area
Gross Area	2,380 sqft
1st Floor Area	1,980 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,750 sqft (0.132 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch

Location & Zoning

Street Address	110 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 2
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE PARK RESERVE
Legal Block	2
Legal Lot Number	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2019
Census Tract	12804

Owner

110 Andreas St is owned by two individuals who bought it in December 2020.

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	132 CALLE 16A # 60, 60, CALI, CO
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage BBVA USA
May 11, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2020 · Amount on File
Deed Sale	Dec 4, 2020 · Amount on File
Deed Document Number	2020259282
Deed Book / Page	11478 / 1172
Record Updated	Oct 29, 2026

December 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 4, 2020
Property Address	110 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0114781172
Book / Page	011478 / 001172
Instrument Date	Nov 30, 2020
Instrument	259282
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 22, 2020
Title Company	TITLE CTRS/AMERICA, TITLECORP/AMERICA LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,596.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	CALLE 16A #132-60

Mortgage

Document Number	114781178
Date	Dec 4, 2020
Book Page	011478/001178
Instrument	259284

Lender

Name	BBVA USA
Address	BIRMINGHAM, AL 35233

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.12%

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	May 11, 2020
Property Address	110 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0112301109
Book / Page	011230 / 001109
Instrument Date	May 4, 2020
Instrument	94595
Transaction Type	Transfer
Record Updated	Dec 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,785.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 110 Andreas St was $4,802.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$237,733 (-7.43%) Land $50,000 Building $187,733	$237,733 (-7.43%) Land $50,000 Building $187,733
2025	$4,802.00	$256,825 Land $50,000 Building $206,825	$256,825 Land $50,000 Building $206,825
2023	$7,268.00 (+5.27%)	$279,586 (+8.63%) Land $48,000 Building $231,586	$279,586 (+8.63%) Land $48,000 Building $231,586
2022	$6,904.00	$257,380 Land $40,000 Building $217,380	$257,380 Land $40,000 Building $217,380

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 110 Andreas St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2004.

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 File 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	Hurricane Frances, Sep 2004 · 3 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 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

Wildfire risk around 110 Andreas St is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.

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.

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 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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