126 Andreas St, Winter Haven, FL 33881 Property Records

Polk County property record for 126 Andreas St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,740 sqft · built 2020
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on Record
Last Sale	$250,268 (May 2021)
Tax Bill	$3,647 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522103-000060`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522103-000060`
Alternative APNs	`022826522103000060` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,740 sqft Living Area
Gross Area	2,160 sqft
1st Floor Area	1,740 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,750 sqft (0.132 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	126 ANDREAS ST
City	WINTER HAVEN
State	FL
Zip	33881-9738
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 6
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE PARK RESERVE
Legal Block	2
Legal Lot Number	6
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2019
Census Tract	12804

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	126 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Nov 17, 2022	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
May 3, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage JET HOMELOANS LLC
Jul 29, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2021 · Amount on Record
Deed Sale	May 3, 2021 · Amount on Record
Prior Sale	Jul 29, 2020 · Amount on Record
Deed Document Number	2021113717
Deed Book / Page	11696 / 2070
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	126 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 ANDREAS ST, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number	0000263282
Date	Nov 6, 2025
Book Page	13768/1663
Instrument	2025263282

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	306 Months
Due	May 1, 2051

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	126 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Transaction Type	Mortgage
Record Updated	Dec 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 ANDREAS ST, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number	0000300611
Date	Nov 17, 2022
Book Page	12487/1565
Instrument	2022300611

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	May 1, 2051

May 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 3, 2021
Property Address	126 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0000113717
Book / Page	11696 / 2070
Map Reference	MB 176 PG 43-49
Instrument Date	Apr 26, 2021
Instrument	2021113717
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 2, 2022
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,752.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8529 SOUTHPARK CIR STE 130, 8529, ORLANDO, FL 32819-9016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 ANDREAS ST, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number	0116962072
Date	May 3, 2021
Instrument	11696/2072

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jul 29, 2020
Property Address	126 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0113152266
Book / Page	011315 / 002266
Instrument Date	Jul 24, 2020
Instrument	152764
Transaction Type	Transfer
Record Updated	Dec 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$904.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743
Investor	Possibly a Property Investor

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		$220,726 (-7.47%) Land $50,000 Building $170,726	$220,726 (-7.47%) Land $50,000 Building $170,726
2025	$3,647.00 (-43.82%) Homeowner's exemption	$238,544 (-2.3%) Land $50,000 Building $188,544	$238,544 (-7.71%) Land $50,000 Building $188,544
2023	$6,492.00 (+1.64%) Homeowner's exemption	$244,158 (+3%)	$258,475 (+9.04%) Land $48,000 Building $210,475
2022	$6,387.00 Homeowner's exemption	$237,047 Land $40,000 Building $197,047	$237,047 Land $40,000 Building $197,047

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

Flood

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 Record median of 20 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	7 (2004–2023)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Apr 2023 · rainfall accumulation
Claims by Event	Hurricane Frances, Sep 2004 · 3 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 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

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Nearby Properties on Andreas St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures