134 Andreas St, Winter Haven, FL 33881 Property Records

Polk County property record for 134 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 File
Last Sale	$360,000 (Sep 2022)
Tax Bill	$4,481 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522103-000080`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522103-000080`
Alternative APNs	`022826522103000080` `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	Finished/Open Porch

Location & Zoning

Street Address	134 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 8
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE PARK RESERVE
Legal Block	2
Legal Lot Number	8
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2019
Census Tract	12804

Owner

134 Andreas St is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	134 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Sep 23, 2022	Warranty Deed, Transfer · Conventional Mortgage CLIFFCO INC
Oct 4, 2021	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Nov 24, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage FBC MTG
Jul 9, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2022 · Amount on File
Deed Sale	Sep 22, 2022 · Amount on File
Prior Sale	Nov 24, 2020 · Amount on File
Deed Document Number	2022258049
Deed Book / Page	12430 / 562
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 23, 2022
Property Address	134 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0000258049
Book / Page	12430 / 562
Map Reference	MB 176 PG 43-49
Instrument Date	Sep 20, 2022
Instrument	2022258049
Transaction Type	Transfer
Record Updated	Oct 5, 2022
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 PONSETTLA DRIVE, 114, HAINES CITY, FL 33844

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 ANDREAS ST, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number	0012430564
Date	Sep 23, 2022
Instrument	12430/564

Lender

Name	CLIFFCO INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	134 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 ANDREAS ST, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number	0000258892
Date	Oct 4, 2021
Book Page	11922/2173
Instrument	2021258892

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

November 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Nov 24, 2020
Property Address	134 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0114662018
Book / Page	011466 / 002018
Instrument Date	Nov 4, 2020
Instrument	251979
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 9, 2020
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,561.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	134 ANDREAS ST WINTER HAVEN FL 338819738, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number	114662020
Date	Nov 24, 2020
Book Page	011466/002020
Instrument	251980

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 23, 2050

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jul 9, 2020
Property Address	134 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0112921389
Book / Page	011292 / 001389
Instrument Date	Jul 3, 2020
Instrument	136752
Transaction Type	Transfer
Record Updated	Dec 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,812.00
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 #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 134 Andreas St was $4,481.

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		$222,238 (-7.28%) Land $50,000 Building $172,238	$222,238 (-7.28%) Land $50,000 Building $172,238
2025	$4,481.00	$239,682 Land $50,000 Building $189,682	$239,682 Land $50,000 Building $189,682
2023	$7,605.00 (+43.76%)	$260,238 (+45.08%) Land $48,000 Building $212,238	$260,238 (+9.78%) Land $48,000 Building $212,238
2022	$5,290.00 Homeowner's exemption	$179,378	$237,047 Land $40,000 Building $197,047

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 134 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 134 Andreas St is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% 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.

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