Polk County property record for 141 Andreas St, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,364 sqft · built 2021 |
| Lot Size | 0.126 acres (5,502 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $279,700 (Mar 2021) |
| Tax Bill | $4,170 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-02-522103-001280 |
| Primary APN | 26-28-02-522103-001280 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,364 sqft Living Area |
| Gross Area | 2,784 sqft |
| 1st Floor Area | 960 sqft |
| Upper Floors Area | 1,404 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 5,502 sqft (0.126 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Unfinished Open Porch |
| Street Address | 141 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 128 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 02 |
| Legal Subdivision | LUCERNE PARK RESERVE |
| Legal Block | 2 |
| Legal Lot Number | 128 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 12804 |
Source: Polk County records · APN 26-28-02-522103-001280
Assessment roll updated June 23, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 141 ANDREAS ST, WINTER HAVEN, FL 33881-9738 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 04, 2025 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Mar 12, 2021 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 12, 2021 · Amount on Record |
| Deed Sale | Mar 12, 2021 · Amount on Record |
| Deed Document Number | 202163552 |
| Deed Book / Page | 11619 / 1490 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 141 ANDREAS ST, WINTER HAVEN, FL 33881-9738 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 141 ANDREAS ST, WINTER HAVEN, FL 33881-9738 |
| Document Number | 0000206682 |
|---|---|
| Date | Sep 04, 2025 |
| Book Page | 13685/450 |
| Instrument | 2025206682 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 307 Months |
| Due | Apr 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 12, 2021 |
| Property Address | 141 ANDREAS ST, WINTER HAVEN, FL 33881-9738 |
| Document Number | 0000063552 |
| Book / Page | 11619 / 1490 |
| Map Reference | MB 176 PG 43-49 |
| Instrument Date | Mar 05, 2021 |
| Instrument | 2021063552 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 23, 2023 |
| Title Company | CAREFREE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,957.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5337 MILLENIA LAKES BLVD STE 235, 235, ORLANDO, FL 32839-6302 |
| Name | Verified Name |
|---|---|
| Address | 141 ANDREAS ST, WINTER HAVEN, FL 33881-9738 |
| Document Number | 0116191493 |
|---|---|
| Date | Mar 12, 2021 |
| Instrument | 11619/1493 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,170.00 (-34.69%) Homeowner's exemption | $266,477 (+11.75%) Land $50,000 Building $216,477 | $266,477 (-5.84%) Land $50,000 Building $216,477 |
| 2023 | $6,385.00 (+1.64%) Homeowner's exemption | $238,458 (+3%) | $282,993 (+22.24%) Land $48,000 Building $234,993 |
| 2022 | $6,282.00 Homeowner's exemption | $231,513 Land $40,000 Building $191,513 | $231,513 Land $40,000 Building $191,513 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 51% of the US · lower than 78% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
Based on FCC filings for 508 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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