125 Mandolin Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 125 Mandolin Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,482 sqft · built 2008
Lot Size	0.264 acres (11,504 sqft)
Owner	2 Individual Names on File
Last Sale	$252,500 (Dec 2008)
Deeds & Mortgages	May 2015 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`26-29-13-687553-000590`

Property Details

APN / Parcel Number

Primary APN	`26-29-13-687553-000590`
Alternative APNs	`132926687553000590` `32926000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,482 sqft Living Area
Gross Area	3,128 sqft
1st Floor Area	2,482 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	11,504 sqft (0.264 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	462 sqft
Pool Type	Enclosed Pool
Porch	Florida Room
Porch Area	234 sqft

Location & Zoning

Street Address	125 MANDOLIN DR
City	WINTER HAVEN
State	FL
Zip	33884-3581
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MANDOLIN I PB 142 PGS 10-14 LOT 59
Legal Range	26E
Legal Township	29S
Legal Section	13
Legal Subdivision	MANDOLIN 1
Legal Tract	687553
Legal Block	1
Legal Lot Number	59
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1009
Census Tract	14006

Owner

125 Mandolin Dr is owned and occupied by two individuals who bought it in December 2008.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	125 MANDOLIN DR, WINTER HAVEN, FL 33884-3581
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2008 · Amount on File
Deed Sale	Dec 4, 2008 · Amount on File
Prior Sale	Jun 19, 2008 · Amount on File
Deed Document Number	2008202847
Deed Book / Page	7771 / 121
Record Updated	Oct 29, 2026

May 2015: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	125 MANDOLIN DR, WINTER HAVEN, FL 33884-3581
Document Number	0100660716
Book / Page	010066 / 000716
Instrument Date	May 20, 2015
Transaction Type	Mortgage
Record Updated	Jun 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	125 MANDOLIN DR WINTER HAVEN FL 338843581, WINTER HAVEN, FL 33884-3581

Mortgage

Document Number	0100660716
Date	Feb 15, 2017
Book Page	010066/000716
Instrument	29926

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Amount	Amount on Record
Term	276 Months
Due	Feb 14, 2040

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$250,673 (+2.7%)	$385,057 (+5.26%) Land $62,000 Building $323,057
2025	Homeowner's exemption	$244,083	$365,826 Land $62,000 Building $303,826
2023	Homeowner's exemption	$230,295	$379,969 Land $60,000 Building $319,969

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

Flood

FEMA maps place 125 Mandolin Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	5 (2004–2022)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2022 · Hurricane Ian

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 125 Mandolin Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 454 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20