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145 Andreas St, Winter Haven, FL 33881 Property Records

Polk County property record for 145 Andreas St, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,506 sqft · built 2020
Lot Size0.126 acres (5,502 sqft)
OwnerIndividual Name on Record
Last Sale$250,000 (Mar 2026)
Tax Bill$4,036 (2025)
Deeds & MortgagesMar 2026 Sale
Dec 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-02-522103-001270

Property Details

APN / Parcel Number

Primary APN26-28-02-522103-001270
Alternative APNs
  • 022826522103001270
  • 22826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,506 sqft Living Area
Gross Area1,926 sqft
1st Floor Area1,506 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area5,502 sqft (0.126 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch

Location & Zoning

Street Address145 ANDREAS ST
CityWINTER HAVEN
StateFL
Zip33881-9738
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 127
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE PARK RESERVE
Legal Block2
Legal Lot Number127
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 RecordIndividual Name on Record
Mailing Address145 ANDREAS ST, WINTER HAVEN, FL 33881-9738
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

Deeds, Mortgages & Sale History

DateDocument
Mar 16, 2026Warranty Deed, Transfer
FPG TITLE GROUP
Dec 31, 2020Grant Deed, Subdivision Related Transfer · FHA Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 16, 2026 · Amount on Record
Deed SaleMar 16, 2026 · Amount on Record
Prior SaleAug 12, 2025 · Amount on Record
Deed Document Number202662713
Deed Book / Page13918 / 2192
Record UpdatedSep 20, 2026

March 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMar 16, 2026
Property Address145 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number0000062713
Book / Page13918 / 2192
Map ReferenceMB 176 PG 43-49
Instrument DateMar 6, 2026
Instrument2026062713
Transaction TypeTransfer
Record UpdatedMar 30, 2026
Title CompanyFPG TITLE GROUP

Transaction

AmountAmount Recorded
Tax$1,750.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address841 WINDING OAKS DR, PALM HARBOR, FL 34683-6612

Transferred To (Grantee/Buyer)

NameVerified Name
Address145 ANDREAS ST, WINTER HAVEN, FL 33881-9738

December 2020: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateDec 31, 2020
Property Address145 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number0115200858
Book / Page011520 / 000858
Instrument DateDec 30, 2020
Instrument285295
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 14, 2021
Title CompanyCAREFREE TITLE AGENCY INC, CAREFREE TITLE AGCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,541.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address145 ANDREAS ST WINTER HAVEN FL 338819738, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number115200861
DateDec 31, 2020
Book Page011520/000861
Instrument285296
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 30, 2050

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$4,036.00 (-42.51%)$215,859 (-7.63%) Land $50,000 Building $165,859$215,859 (-7.63%) Land $50,000 Building $165,859
2024$7,020.00 (-1.18%)
2023$7,104.00 (+14.27%)$233,683 (+9.14%) Land $48,000 Building $185,683$233,683 (+9.14%) Land $48,000 Building $185,683
2022$6,217.00$214,107 Land $40,000 Building $174,107$214,107 Land $40,000 Building $174,107

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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