150 Andreas St, Winter Haven, FL 33881 Property Records

Polk County property record for 150 Andreas St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,767 sqft · built 2020
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on File
Last Sale	$214,651 (Dec 2020)
Tax Bill	$2,889 (2025)
Deeds & Mortgages	Dec 2020 Loan Modification Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522103-000120`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522103-000120`
Alternative APNs	`022826522103000120` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,767 sqft Living Area
Gross Area	2,187 sqft
1st Floor Area	1,767 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	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	150 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 12
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE PARK RESERVE
Legal Block	2
Legal Lot Number	12
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2019
Census Tract	12804

Owner

150 Andreas St is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	150 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
Dec 15, 2020	Loan Modification, Mortgage · Line of Credit TEXAS CAP BK
Dec 16, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage JET HOMELOANS LLC
Jul 9, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2020 · Amount on File
Deed Sale	Dec 16, 2020 · Amount on File
Prior Sale	Jul 9, 2020 · Amount on File
Deed Document Number	2020271656
Deed Book / Page	11497 / 1952
Record Updated	Oct 29, 2026

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	150 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0115101319
Instrument Date	Dec 15, 2020
Transaction Type	Mortgage
Record Updated	Jan 12, 2021
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	150 ANDREAS ST WINTER HAVEN FL 338819738, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number	0115101319
Date	Dec 28, 2020
Book Page	011510/001319
Instrument	279780

Lender

Name	TEXAS CAP BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 16, 2020
Property Address	150 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0114971952
Book / Page	011497 / 001952
Instrument Date	Dec 4, 2020
Instrument	271656
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 31, 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	$1,503.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	150 ANDREAS ST WINTER HAVEN FL 338819738, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number	114971954
Date	Dec 16, 2020
Book Page	011497/001954
Instrument	271657

Lender

Name	JET HOMELOANS LLC
Address	FERNANDINA BEACH, FL 32034

Agreement

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

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jul 9, 2020
Property Address	150 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 150 Andreas St was $2,889 with a homeowner's exemption.

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		$203,351 (+2.7%)	$223,179 (-7.29%) Land $50,000 Building $173,179
2025	$2,889.00 Homeowner's exemption	$198,005	$240,721 Land $50,000 Building $190,721
2023	$5,409.00 (+1.52%) Homeowner's exemption	$186,820 (+3%)	$261,436 (+9.11%) Land $48,000 Building $213,436
2022	$5,328.00 Homeowner's exemption	$181,379	$239,609 Land $40,000 Building $199,609

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 150 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 150 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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