162 Andreas St, Winter Haven, FL 33881 Property Records

Polk County property record for 162 Andreas St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,823 sqft · built 2021
Lot Size	0.132 acres (5,750 sqft)
Owner	Company Name on File
Last Sale	$303,665 (Aug 2026)
Tax Bill	$4,555 (2025)
Deeds & Mortgages	Aug 2026 Foreclosure Apr 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522103-000150`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522103-000150`
Alternative APNs	`022826522103000150` `22826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,823 sqft Living Area
Gross Area	2,264 sqft
1st Floor Area	1,823 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
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	441 sqft
Porch	Finished/Open Porch

Location & Zoning

Street Address	162 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 15
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE PARK RESERVE
Legal Block	2
Legal Lot Number	15
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2019
Census Tract	12804

Owner

162 Andreas St is owned by a company that bought it in August 2026.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 9223, COPPELL, TX 75019-9248
Owner Type	Company
Vesting	Limited Liability Partnership

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
Aug 17, 2026	Deed in Lieu of Foreclosure, Foreclosure SERVICELINK
Apr 6, 2023	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage LOANDEPOT.COM LLC
Jun 3, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2026 · Amount on File
Deed Sale	Aug 17, 2026 · Amount on File
Prior Sale	Apr 6, 2023 · Amount on File
Deed Document Number	2026197722
Deed Book / Page	14117 / 2282
Prior Transfer Date	Jul 18, 2026
Prior Transfer Doc	0000197722
Record Updated	Oct 29, 2026

August 2026: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	POLK FL
Recording Date	Aug 17, 2026
Property Address	162 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0000197722
Book / Page	14117 / 2282
Instrument Date	Jul 18, 2026
Instrument	2026197722
Transaction Type	Foreclosure
Record Updated	Aug 27, 2026
Title Company	SERVICELINK

Transaction

Amount	Amount on Record
Tax	$214,691.66
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Investor	Possibly a Property Investor

April 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 6, 2023
Property Address	162 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0000079977
Book / Page	12643 / 1577
Map Reference	MB 176 PG 43-49
Instrument Date	Mar 31, 2023
Instrument	2023079977
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 24, 2023
Title Company	CAREFREE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,177.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5337 MILLENIA LAKES BLVD # 410410, 410410, ORLANDO, FL 32839-6300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 ANDREAS ST, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number	0126431587
Date	Apr 6, 2023
Instrument	12643/1587

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jun 3, 2020
Property Address	162 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0112520273
Book / Page	011252 / 000273
Instrument Date	May 29, 2020
Instrument	109483
Transaction Type	Transfer
Record Updated	Dec 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$34,440.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5337 MILLENIA LAKES BLVD #235 ORLANDO FL 328396302, 235, ORLANDO, FL 32839-6302
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 162 Andreas St was $4,555.

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		$225,776 (-7.33%) Land $50,000 Building $175,776	$225,776 (-7.33%) Land $50,000 Building $175,776
2025	$4,555.00	$243,637 Land $50,000 Building $193,637	$243,637 Land $50,000 Building $193,637
2023	$7,891.00 (+5.99%)	$276,891 (+10.67%) Land $48,000 Building $228,891	$276,891 (+10.67%) Land $48,000 Building $228,891
2022	$7,445.00	$250,202 Land $40,000 Building $210,202	$250,202 Land $40,000 Building $210,202

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

Flood

FEMA maps place 162 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 162 Andreas St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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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