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130 Andreas St, Winter Haven, FL 33881 Property Records

Polk County property record for 130 Andreas St, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,800 sqft · built 2020
Lot Size0.132 acres (5,750 sqft)
Owner2 Individual Names on File
Last Sale$218,000 (Jan 2021)
Tax Bill$2,927 (2025)
Deeds & MortgagesJan 2021 Sale & Mortgage
Aug 2020 Sale
Flood ZoneZone X (minimal risk)
APN26-28-02-522103-000070

Property Details

APN / Parcel Number

Primary APN26-28-02-522103-000070
Alternative APNs
  • 022826522103000070
  • 22826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,800 sqft Living Area
Gross Area2,220 sqft
1st Floor Area1,800 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeHip
Roof MaterialOther
Lot Area5,750 sqft (0.132 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch

Location & Zoning

Street Address130 ANDREAS ST
CityWINTER HAVEN
StateFL
Zip33881-9738
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 7
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE PARK RESERVE
Legal Block2
Legal Lot Number7
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2019
Census Tract12804

Owner

130 Andreas St is owned and occupied by two individuals who bought it in January 2021.

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

Owner of Record2 Individual Names on File
Mailing Address130 ANDREAS ST, WINTER HAVEN, FL 33881-9738
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

DateDocument
Jan 19, 2021Grant Deed, Subdivision Related Transfer · FHA Mortgage
JET HOMELOANS LLC
Aug 11, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 19, 2021 · Amount on File
Deed SaleJan 19, 2021 · Amount on File
Prior SaleAug 11, 2020 · Amount on File
Deed Document Number202113559
Deed Book / Page11542 / 1441
Record UpdatedOct 29, 2026

January 2021: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateJan 19, 2021
Property Address130 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number0115421441
Book / Page011542 / 001441
Instrument DateDec 30, 2020
Instrument13559
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 1, 2021
Title CompanyGOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,526.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address130 ANDREAS ST WINTER HAVEN FL 338819738, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number115421443
DateJan 19, 2021
Book Page011542/001443
Instrument13560
Lender
NameJET HOMELOANS LLC
AddressFERNANDINA BEACH, FL 32034
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJan 18, 2051

August 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateAug 11, 2020
Property Address130 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number0113292166
Book / Page011329 / 002166
Instrument DateAug 6, 2020
Instrument161703
Transaction TypeTransfer
Record UpdatedDec 4, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$2,115.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 130 Andreas St was $2,927 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$205,407 (+2.7%)$225,350 (-7.31%) Land $50,000 Building $175,350
2025$2,927.00 Homeowner's exemption$200,007$243,121 Land $50,000 Building $193,121
2023$5,445.00 (+1.53%) Homeowner's exemption$188,709 (+3%)$264,142 (+9.04%) Land $48,000 Building $216,142
2022$5,363.00 Homeowner's exemption$183,213$242,244 Land $40,000 Building $202,244

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

Flood

FEMA maps place 130 Andreas St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 20 policies
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 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

Wildfire risk around 130 Andreas St is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire RiskModerate
above 43% of the US · lower than 85% of Florida
Wildfire Likelihood0.06% annual chance
ExposureDirect
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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

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

May also be available: Verizon.

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