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114 Andreas St, Winter Haven, FL 33881 Property Records

Polk County property record for 114 Andreas St, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,663 sqft · built 2020
Lot Size0.132 acres (5,750 sqft)
OwnerIndividual Name on File
Last Sale$214,349 (Sep 2020)
Tax Bill$3,477 (2025)
Deeds & MortgagesAug 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-02-522103-000030

Property Details

APN / Parcel Number

Primary APN26-28-02-522103-000030
Alternative APNs
  • 022826522103000030
  • 22826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,663 sqft Living Area
Gross Area2,083 sqft
1st Floor Area1,663 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area5,750 sqft (0.132 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch

Location & Zoning

Street Address114 ANDREAS ST
CityWINTER HAVEN
StateFL
Zip33881-9738
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 3
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE PARK RESERVE
Legal Block2
Legal Lot Number3
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2019
Census Tract12804

Owner

114 Andreas St is owned and occupied by an individual who acquired it in July 2025.

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

Owner of RecordIndividual Name on File
Mailing Address114 ANDREAS ST, WINTER HAVEN, FL 33881-9738
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 9, 2020 · Amount on File
Deed SaleSep 9, 2020 · Amount on File
Deed Document Number2020186472
Deed Book / Page11367 / 1837
Last Transfer DateJul 22, 2025
Transfer Doc0000170765
Record UpdatedOct 29, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address114 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Transaction TypeMortgage
Record UpdatedSep 1, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address114 ANDREAS ST, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number0000226969
DateAug 19, 2022
Book Page12387/377
Instrument2022226969
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term337 Months
DueSep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 114 Andreas St was $3,477.

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$212,422 (-7.41%) Land $50,000 Building $162,422$212,422 (-7.41%) Land $50,000 Building $162,422
2025$3,477.00 Homeowner's exemption$229,428 Land $50,000 Building $179,428$229,428 Land $50,000 Building $179,428
2023$6,327.00 (+1.64%) Homeowner's exemption$235,409 (+3%)$248,850 (+8.88%) Land $48,000 Building $200,850
2022$6,225.00 Homeowner's exemption$228,552 Land $40,000 Building $188,552$228,552 Land $40,000 Building $188,552

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

Flood

FEMA maps place 114 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 20 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies20 in force
Nearby Flood Claims7 (2004–2023)
Claims Outside the SFHA1 of 7
Most Recent ClaimApr 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 114 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 RiskModerate
above 43% of the US · lower than 85% of Florida
Wildfire Likelihood0.06% annual chance
ExposureDirect
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000

May also be available: Verizon.

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