1182 Sandpiper Loop, Winter Haven, FL 33881 Property Records

Polk County property record for 1182 Sandpiper Loop, Winter Haven, FL 33881 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,321 sqft · built 2024
Lot Size	0.248 acres (10,799 sqft)
Owner	2 Individual Names on File
Last Sale	$48,600 (Dec 2023)
Tax Bill	$4,333 (2025)
Deeds & Mortgages	Dec 2023 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`26-28-14-533503-000600`

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533503-000600`
Alternative APN	`142826533503000600`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,321 sqft Living Area
Gross Area	3,043 sqft
1st Floor Area	2,321 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	10,799 sqft (0.248 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	722 sqft
Porch	Unfinished Open Porch
Porch Area	279 sqft

Location & Zoning

Street Address	1182 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 60
Legal Subdivision	CHESTNUT CREEK
Legal Block	2
Legal Lot Number	60
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2017
Census Tract	12802

Owner

Source: Polk County records · APN 26-28-14-533503-000600

Assessment roll updated July 23, 2026 · Last verified August 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 File
Mailing Address	1182 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 13, 2023 · Amount on Record
Deed Sale	Dec 13, 2023 · Amount on Record
Deed Document Number	2023290798
Deed Book / Page	12939 / 1047
Record Updated	Sep 20, 2026

December 2023: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 13, 2023
Property Address	1182 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5608
Document Number	0000290798
Book / Page	12939 / 1047
Map Reference	MB 189 PG 24-27
Instrument Date	Dec 08, 2023
Instrument	2023290798
Transaction Type	Construction Loan
Record Updated	Dec 26, 2023
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$340.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE, LAKELAND, FL 33803-4053

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1182 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5608

Mortgage

Document Number	0129391049
Date	Dec 13, 2023
Instrument	12939/1049

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 01, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,333.00 (+542.88%)	$326,939 (+553.88%) Land $52,000 Building $274,939	$326,939 (+553.88%) Land $52,000 Building $274,939
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

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 121050128022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 39 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	39 in force 38 of 39 on primary residences
Nearby Flood Claims	3 (2022–2023)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2023, rainfall accumulation, Hurricane Idalia
Flood Events	Hurricane Ian (Sep 2022), 2 claims

Wildfire

Wildfire Risk	Moderate above 67% of the US · above 44% of Florida
Wildfire Likelihood	About 1 in 307 per year
Exposure	Direct 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.