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138 Andreas St, Winter Haven, FL 33881 Property Records

Polk County property record for 138 Andreas St, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,980 sqft · built 2021
Lot Size0.132 acres (5,750 sqft)
Owner2 Individual Names on Record
Last Sale$239,288 (Jun 2021)
Tax Bill$4,053 (2025)
Deeds & MortgagesJun 2021 Sale & Mortgage
Dec 2020 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-28-02-522103-000090

Property Details

APN / Parcel Number

Primary APN26-28-02-522103-000090
Alternative APNs
  • 022826522103000090
  • 22826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,980 sqft Living Area
Gross Area2,500 sqft
1st Floor Area1,980 sqft

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area5,750 sqft (0.132 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area400 sqft
PorchFlorida Room

Location & Zoning

Street Address138 ANDREAS ST
CityWINTER HAVEN
StateFL
Zip33881-9738
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 9
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE PARK RESERVE
Legal Block2
Legal Lot Number9
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2019
Census Tract12804

Owner

Source: Polk County records, as of June 23, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address138 ANDREAS ST, WINTER HAVEN, FL 33881-9738
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 8, 2021Warranty Deed, Subdivision Related Transfer · FHA Mortgage
JET HOMELOANS LLC
Dec 17, 2020Loan Modification, Mortgage
HOUSING CAP
Dec 18, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 8, 2021 · Amount on Record
Deed SaleJun 8, 2021 · Amount on Record
Prior SaleDec 18, 2020 · Amount on Record
Deed Document Number2021148066
Deed Book / Page11749 / 1516
Record UpdatedSep 20, 2026

June 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJun 8, 2021
Property Address138 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number0000148066
Book / Page11749 / 1516
Map ReferenceMB 176 PG 43-49
Instrument DateMay 28, 2021
Instrument2021148066
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 23, 2023
Title CompanyGOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,675.10
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8529 SOUTHPARK CIR STE 130, 130, ORLANDO, FL 32819-9016

Transferred To (Grantee/Buyer)

NameVerified Name
Address138 ANDREAS ST, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number0117491518
DateJun 8, 2021
Instrument11749/1518
Lender
NameJET HOMELOANS LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2051

December 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address138 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number0115132214
Instrument DateDec 17, 2020
Transaction TypeMortgage
Record UpdatedJan 14, 2021
Title CompanyOTHER

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743

Mortgage

Document Number0115132214
DateDec 29, 2020
Book Page011513/002214
Instrument281508
Lender
NameHOUSING CAP
TypeFunding / Finance Company
Address13737 NOEL RD # 800, DALLAS, TX 75240-1331
Agreement
AmountAmount Recorded

December 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateDec 18, 2020
Property Address138 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number0115030682
Book / Page011503 / 000682
Instrument DateDec 17, 2020
Instrument275220
Transaction TypeTransfer
Record UpdatedDec 31, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$2,469.00
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

Source: Polk County assessment roll, as of June 23, 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
2025$4,053.00 (-43.4%) Homeowner's exemption$260,260 (-6.91%) Land $50,000 Building $210,260$260,260 (-6.91%) Land $50,000 Building $210,260
2023$7,161.00 (-5.61%) Homeowner's exemption$279,586 (+8.63%) Land $48,000 Building $231,586$279,586 (+8.63%) Land $48,000 Building $231,586
2022$7,587.00$257,380 Land $40,000 Building $217,380$257,380 Land $40,000 Building $217,380

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

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

Wildfire RiskModerate
above 51% of the US · lower than 78% of Florida
Wildfire Likelihood0.1% 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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