1169 Sandpiper Loop, Winter Haven, FL 33881 Property Records

Polk County property record for 1169 Sandpiper Loop, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,067 sqft · built 2023
Lot Size	0.248 acres (10,803 sqft)
Owner	2 Individual Names on File
Last Sale	$374,500 (Jan 2024)
Tax Bill	$3,294 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-14-533503-000420`

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533503-000420`
Alternative APN	`142826533503000420`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,067 sqft Living Area
Gross Area	2,487 sqft
1st Floor Area	2,067 sqft

Exterior

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	10,803 sqft (0.248 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Screened/Unfinished Porch
Porch Area	42 sqft

Location & Zoning

Street Address	1169 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 42
Legal Subdivision	CHESTNUT CREEK
Legal Block	2
Legal Lot Number	42
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2017
Census Tract	12802

Owner

1169 Sandpiper Loop is owned and occupied by two individuals who bought it in January 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1169 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5609
Occupancy	Owner Occupied
Owner Type	Individual

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 Names	2 Names on Deed
Last Sale	Jan 10, 2024 · Amount on File
Deed Sale	Jan 10, 2024 · Amount on File
Deed Document Number	20246964
Deed Book / Page	12968 / 1454
Record Updated	Oct 29, 2026

January 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 10, 2024
Property Address	1169 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5609
Document Number	0000006964
Book / Page	12968 / 1454
Map Reference	MB 189 PG 24-27
Instrument Date	Jan 5, 2024
Instrument	2024006964
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,621.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1169 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5609

Mortgage

Document Number	0129681456
Date	Jan 10, 2024
Instrument	12968/1456

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 1169 Sandpiper Loop was $3,294 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$289,810 (+0.27%) Land $52,000 Building $237,810	$289,810 (+0.27%) Land $52,000 Building $237,810
2025	$3,294.00 Homeowner's exemption	$289,029 Land $52,000 Building $237,029	$289,029 Land $52,000 Building $237,029
2023	$674.00 (+361.64%)	$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.

Flood

FEMA maps place 1169 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	Hurricane Ian, Sep 2022 · 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 1169 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.

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 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