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165 Andreas St, Winter Haven, FL 33881 Property Records

Polk County property record for 165 Andreas St, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,004 sqft · built 2021
Lot Size0.126 acres (5,502 sqft)
Owner2 Individual Names on Record
Last Sale$249,900 (Feb 2021)
Tax Bill$3,971 (2025)
Deeds & MortgagesFeb 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-02-522103-001220

Property Details

APN / Parcel Number

Primary APN26-28-02-522103-001220
Alternative APNs
  • 022826522103001220
  • 22826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,004 sqft Living Area
Gross Area2,424 sqft
1st Floor Area2,004 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
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 Address165 ANDREAS ST
CityWINTER HAVEN
StateFL
Zip33881-9738
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 122
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE PARK RESERVE
Legal Block2
Legal Lot Number122
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2019
Census Tract12804

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 Record2 Individual Names on Record
Mailing Address165 ANDREAS ST, WINTER HAVEN, FL 33881-9738
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 4, 2021 · Amount on Record
Deed SaleFeb 4, 2021 · Amount on Record
Deed Document Number202129477
Deed Book / Page11567 / 1191
Record UpdatedOct 29, 2026

February 2021: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateFeb 4, 2021
Property Address165 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number0000029477
Book / Page11567 / 1191
Map ReferenceMB 176 PG 43-49
Instrument DateFeb 2, 2021
Instrument2021029477
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 23, 2021
Title CompanyCAREFREE TITLE AGENCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,749.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5337 MILLENIA LAKES BLVD STE 235, 5337, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

NameVerified Name
Address165 ANDREAS ST, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number0115671194
DateFeb 4, 2021
Instrument11567/1194
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 1, 2051

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 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
2026$236,842 (-7.44%) Land $50,000 Building $186,842$236,842 (-7.44%) Land $50,000 Building $186,842
2025$3,971.00 (-44.08%) Homeowner's exemption$255,873 (-7.42%) Land $50,000 Building $205,873$255,873 (-7.42%) Land $50,000 Building $205,873
2023$7,101.00 (-5.97%) Homeowner's exemption$276,379 (+8.16%) Land $48,000 Building $228,379$276,379 (+8.16%) Land $48,000 Building $228,379
2022$7,552.00$255,521 Land $40,000 Building $215,521$255,521 Land $40,000 Building $215,521

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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