Polk County property record for 1166 Sandpiper Loop, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,350 sqft · built 2023 |
| Lot Size | 0.248 acres (10,799 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $373,000 (Mar 2023) |
| Tax Bill | $3,998 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Jul 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-14-533503-000640 |
| Primary APN | 26-28-14-533503-000640 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,350 sqft Living Area |
| Gross Area | 2,750 sqft |
| 1st Floor Area | 2,350 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,799 sqft (0.248 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 250 sqft |
| Shed | 1 Shed |
| Street Address | 1166 SANDPIPER LOOP |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-5608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHESTNUT CREEK PB 189 PGS 24-27 LOT 64 |
| Legal Subdivision | CHESTNUT CREEK |
| Legal Block | 2 |
| Legal Lot Number | 64 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 12802 |
1166 Sandpiper Loop is owned and occupied by two individuals who acquired it in September 2025.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1166 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 3, 2023 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Jul 23, 2024 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 31, 2025 | Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 1, 2023 | Special Warranty Deed, Transfer INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2023 · Amount on File |
| Deed Sale | Mar 1, 2023 · Amount on File |
| Deed Document Number | 202347746 |
| Deed Book / Page | 12598 / 583 |
| Last Transfer Date | Sep 16, 2025 |
| Transfer Doc | 0000258404 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1166 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5608 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1166 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5608 |
| Investor | Possibly a Property Investor |
| Document Number | 0000102872 |
|---|---|
| Date | May 3, 2023 |
| Book Page | 12676/1949 |
| Instrument | 2023102872 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 9, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1166 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5608 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1166 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5608 |
| Investor | Possibly a Property Investor |
| Document Number | 0000169895 |
|---|---|
| Date | Jul 23, 2024 |
| Book Page | 13201/1233 |
| Instrument | 2024169895 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2054 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 31, 2025 |
| Property Address | 1166 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5608 |
| Document Number | 0000258404 |
| Book / Page | 13761 / 1270 |
| Map Reference | MB 189 PG 24-27 |
| Instrument Date | Sep 16, 2025 |
| Instrument | 2025258404 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1166 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5608 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 1166 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5608 |
| Document Number | 0137141367 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 13714/1367 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 1, 2023 |
| Property Address | 1166 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5608 |
| Document Number | 0000047746 |
| Book / Page | 12598 / 583 |
| Map Reference | MB 189 PG 24-27 |
| Instrument Date | Feb 22, 2023 |
| Instrument | 2023047746 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2024 |
| Title Company | INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,611.00 |
| 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 | 1166 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5608 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 1166 Sandpiper Loop was $3,998, down 15.7% from the year before.
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 | $351,349 (+2.7%) | $370,641 (+8.34%) Land $52,000 Building $318,641 | |
| 2025 | $3,998.00 (-15.73%) Homeowner's exemption | $342,112 (-2.38%) Land $52,000 Building $290,112 | $342,112 (-2.38%) Land $52,000 Building $290,112 |
| 2024 | $4,744.00 (+439.09%) Homeowner's exemption | $350,450 (+600.9%) Land $52,000 Building $298,450 | $350,450 (+600.9%) Land $52,000 Building $298,450 |
| 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 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1166 Sandpiper Loop in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2022.
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 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.
Wildfire risk around 1166 Sandpiper Loop is moderate, ranking above 64% of the US, with a 0.4% annual chance of wildfire.
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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