Polk County property record for 1165 Sandpiper Loop, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,487 sqft · built 2022 |
| Lot Size | 0.248 acres (10,803 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $416,300 (Dec 2022) |
| Tax Bill | $4,234 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Dec 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-14-533503-000410 |
| Primary APN | 26-28-14-533503-000410 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,487 sqft Living Area |
| Gross Area | 3,347 sqft |
| 1st Floor Area | 2,487 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,803 sqft (0.248 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 650 sqft |
| Porch | Florida Room |
| Porch Area | 36 sqft |
| Street Address | 1165 SANDPIPER LOOP |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-5609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHESTNUT CREEK PB 189 PGS 24-27 LOT 41 |
| Legal Subdivision | CHESTNUT CREEK |
| Legal Block | 2 |
| Legal Lot Number | 41 |
| 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 July 23, 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 | 1165 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5609 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 5, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| Dec 28, 2022 | Special Warranty Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 2022 · Amount on Record |
| Deed Sale | Dec 28, 2022 · Amount on Record |
| Deed Document Number | 2022332820 |
| Deed Book / Page | 12531 / 1684 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 5, 2026 |
| Property Address | 1165 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5609 |
| Document Number | 0000106364 |
| Book / Page | 13983 / 1779 |
| Instrument Date | Apr 4, 2026 |
| Instrument | 2026106364 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1165 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5609 |
| Document Number | 0000106364, |
|---|---|
| Date | May 5, 2026 |
| Book Page | 13983/1779 |
| Instrument | 2026106364 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Apr 1, 2066 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 28, 2022 |
| Property Address | 1165 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5609 |
| Document Number | 0000332820 |
| Book / Page | 12531 / 1684 |
| Map Reference | MB 189 PG 24-27 |
| Instrument Date | Dec 23, 2022 |
| Instrument | 2022332820 |
| 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 | $2,914.10 |
| 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 | 1165 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5609 |
| Document Number | 0125311686 |
|---|---|
| Date | Dec 28, 2022 |
| Instrument | 12531/1686 |
| Name | HOME SOLUTION LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
Source: Polk County assessment roll, as of July 23, 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 |
|---|---|---|---|
| 2025 | $4,234.00 (-23.63%) | $359,914 (+1.04%) Land $52,000 Building $307,914 | $359,914 (+1.04%) Land $52,000 Building $307,914 |
| 2024 | $5,544.00 (+5.02%) | ||
| 2023 | $5,279.00 (+3,515.75%) | $356,219 (+3,218.91%) Land $50,000 Building $306,219 | $356,219 (+3,218.91%) Land $50,000 Building $306,219 |
| 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 64% of the US · lower than 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 80 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 |
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