146 Andreas St, Winter Haven, FL 33881 Property Records

Polk County property record for 146 Andreas St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,600 sqft · built 2020
Lot Size	0.139 acres (6,037 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,667 (Dec 2020)
Tax Bill	$2,760 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Aug 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522103-000110`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522103-000110`
Alternative APNs	`022826522103000110` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,600 sqft Living Area
Gross Area	2,182 sqft
1st Floor Area	1,600 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	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	6,037 sqft (0.139 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	483 sqft
Porch	Florida Room

Location & Zoning

Street Address	146 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 11
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE PARK RESERVE
Legal Block	2
Legal Lot Number	11
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2019
Census Tract	12804

Owner

Source: Polk County records, as of September 28, 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 Record
Mailing Address	146 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage JET HOMELOANS LLC
Aug 11, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2020 · Amount on Record
Deed Sale	Dec 16, 2020 · Amount on Record
Prior Sale	Aug 11, 2020 · Amount on Record
Deed Document Number	2020271691
Deed Book / Page	11497 / 2141
Record Updated	Oct 29, 2026

December 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 16, 2020
Property Address	146 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0114972141
Book / Page	011497 / 002141
Instrument Date	Dec 4, 2020
Instrument	271691
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 31, 2020
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,510.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	146 ANDREAS ST WINTER HAVEN FL 338819738, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number	114972143
Date	Dec 16, 2020
Book Page	011497/002143
Instrument	271692

Lender

Name	JET HOMELOANS LLC
Address	FERNANDINA BEACH, FL 32034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 15, 2050

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Aug 11, 2020
Property Address	146 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0113292166
Book / Page	011329 / 002166
Instrument Date	Aug 6, 2020
Instrument	161703
Transaction Type	Transfer
Record Updated	Dec 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,115.00
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

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		$196,239 (+2.7%)	$215,898 (-7.18%) Land $50,000 Building $165,898
2025	$2,760.00 (-47.79%) Homeowner's exemption	$191,080 (+5.99%)	$232,600 (-7.72%) Land $50,000 Building $182,600
2023	$5,286.00 (+1.52%) Homeowner's exemption	$180,286 (+3%)	$252,061 (+1%) Land $48,000 Building $204,061
2022	$5,207.00 Homeowner's exemption	$175,035	$229,140 Land $40,000 Building $189,140

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 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	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 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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