1197 Sandpiper Loop, Winter Haven, FL 33881 Property Records

Polk County property record for 1197 Sandpiper Loop, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,416 sqft · built 2024
Lot Size	0.266 acres (11,565 sqft)
Owner	2 Individual Names on File
Last Sale	$466,100 (Nov 2024)
Tax Bill	$4,081 (2025)
Deeds & Mortgages	Nov 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-14-533503-000490`

Property Details

APN / Parcel Number

Primary APN	`26-28-14-533503-000490`
Alternative APN	`142826533503000490`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,416 sqft Living Area
Gross Area	3,473 sqft
1st Floor Area	2,416 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	11,565 sqft (0.266 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	886 sqft
Porch	Florida Room
Porch Area	102 sqft

Location & Zoning

Street Address	1197 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 49
Legal Subdivision	CHESTNUT CREEK
Legal Block	2
Legal Lot Number	49
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 26-28-14-533503-000490

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 Record	2 Individual Names on File
Mailing Address	1197 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5609
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 18, 2024 · Amount on Record
Deed Sale	Nov 18, 2024 · Amount on Record
Deed Document Number	2024262082
Deed Book / Page	13337 / 1169
Record Updated	Sep 20, 2026

November 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 18, 2024
Property Address	1197 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5609
Document Number	0000262082
Book / Page	13337 / 1169
Map Reference	MB 189 PG 24-27
Instrument Date	Nov 12, 2024
Instrument	2024262082
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,262.70
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	1197 SANDPIPER LOOP, WINTER HAVEN, FL 33881-5609

Mortgage

Document Number	0133371171
Date	Nov 18, 2024
Instrument	13337/1171

Lender

Name	SUNCOAST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2054

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 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	$4,081.00 (+505.49%)	$348,372 (+596.74%) Land $52,000 Building $296,372	$348,372 (+596.74%) Land $52,000 Building $296,372
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), as of October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050128022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	Hurricane Ian, Sep 2022 · 2 claims

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.3% annual chance
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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
Starlink Satellite	280 / 30

Based on FCC filings for 168 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL6531992, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.