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117 Andreas St, Winter Haven, FL 33881 Property Records

Polk County property record for 117 Andreas St, Winter Haven, FL 33881 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,694 sqft · built 2021
Lot Size0.126 acres (5,502 sqft)
Owner2 Individual Names on File
Last Sale$284,200 (Sep 2021)
Tax Bill$4,327 (2025)
Deeds & MortgagesSep 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-02-522103-001340

Property Details

APN / Parcel Number

Primary APN26-28-02-522103-001340
Alternative APNs
  • 022826522103001340
  • 22826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,694 sqft Living Area
Gross Area2,094 sqft
1st Floor Area1,694 sqft

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area5,502 sqft (0.126 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area400 sqft
PorchUnfinished Open Porch

Location & Zoning

Street Address117 ANDREAS ST
CityWINTER HAVEN
StateFL
Zip33881-9738
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 134
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE PARK RESERVE
Legal Block2
Legal Lot Number134
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2019
Census Tract12804

Owner

Source: Polk County records · APN 26-28-02-522103-001340

Assessment roll updated June 23, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address117 ANDREAS ST, WINTER HAVEN, FL 33881-9738
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 29, 2021 · Amount on Record
Deed SaleSep 29, 2021 · Amount on Record
Deed Document Number2021254971
Deed Book / Page11916 / 928
Record UpdatedSep 20, 2026

September 2021: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateSep 29, 2021
Property Address117 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number0000254971
Book / Page11916 / 928
Map ReferenceMB 176 PG 43-49
Instrument DateSep 24, 2021
Instrument2021254971
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 23, 2023
Title CompanyCAREFREE TITLE AGENCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,989.40
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5337 MILLENIA LAKES BLVD STE 235, 235, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

NameVerified Name
Address117 ANDREAS ST, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number0011916931
DateSep 29, 2021
Instrument11916/931
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,327.00 (-41.5%)$231,464 (-2.1%) Land $50,000 Building $181,464$231,464 (-7.13%) Land $50,000 Building $181,464
2023$7,397.00 (+18.47%)$236,427 (+3%)$249,227 (+8.58%) Land $48,000 Building $201,227
2022$6,244.00 Homeowner's exemption$229,541 Land $40,000 Building $189,541$229,541 Land $40,000 Building $189,541

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050128042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 20 individual NFIP policies nearby
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 Storm
  • Hurricane Frances, Sep 2004 · 3 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

Wildfire

Wildfire RiskModerate
above 44% of the US · above 14% of Florida
Wildfire LikelihoodAbout 1 in 1,587 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 508 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
SpectrumCable1,000 / 1,000

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

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