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166 Andreas St, Winter Haven, FL 33881 Property Records

Polk County property record for 166 Andreas St, Winter Haven, FL 33881 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,364 sqft · built 2023
Lot Size0.132 acres (5,750 sqft)
Owner2 Individual Names on File
Last Sale$353,300 (Jun 2023)
Tax Bill$2,690 (2024)
Deeds & MortgagesMar 2026 Mortgage
Jun 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-02-522103-000160

Property Details

APN / Parcel Number

Primary APN26-28-02-522103-000160
Alternative APNs
  • 022826522103000160
  • 22826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,364 sqft Living Area
Gross Area2,784 sqft
1st Floor Area960 sqft
Upper Floors Area1,404 sqft

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeHip
Roof MaterialOther
Lot Area5,750 sqft (0.132 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch

Location & Zoning

Street Address166 ANDREAS ST
CityWINTER HAVEN
StateFL
Zip33881-9738
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 16
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE PARK RESERVE
Legal Block2
Legal Lot Number16
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2019
Census Tract12804

Owner

Source: Polk County records · APN 26-28-02-522103-000160

Assessment roll updated June 23, 2026 · Last verified July 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 File
Mailing Address166 ANDREAS ST, WINTER HAVEN, FL 33881-9738
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 24, 2026Deed of Trust, Mortgage · VA Mortgage
NAVY FCU
Jun 20, 2023Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 20, 2023 · Amount on Record
Deed SaleJun 20, 2023 · Amount on Record
Deed Document Number2023144433
Deed Book / Page12735 / 805
Record UpdatedSep 20, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address166 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Transaction TypeMortgage
Record UpdatedApr 03, 2026
Title CompanyNAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address166 ANDREAS ST, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number0000068946
DateMar 24, 2026
Book Page13928/784
Instrument2026068946
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term181 Months
DueApr 01, 2041

June 2023: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateJun 20, 2023
Property Address166 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number0000144433
Book / Page12735 / 805
Map ReferenceMB 176 PG 43-49
Instrument DateJun 15, 2023
Instrument2023144433
Transaction TypeSubdivision Related Transfer
Record UpdatedJul 03, 2023
Title CompanyCAREFREE TITLE AGENCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,473.10
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5337 MILLENIA LAKES BLVD STE 410, 410, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

NameVerified Name
Address166 ANDREAS ST, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number0012735808
DateJun 20, 2023
Instrument12735/808
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2053

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$266,129 (+454.44%) Land $50,000 Building $216,129$266,129 (+454.44%) Land $50,000 Building $216,129
2024$2,690.00 (-23.95%)
2023$3,537.00 (+2.64%)$48,000 (+2%) Land $48,000$48,000 (+2%) Land $48,000
2022$3,446.00$40,000 Land $40,000$40,000 Land $40,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050128042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 20 individual NFIP policies nearby
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 Storm
  • Hurricane Frances, Sep 2004 · 3 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

Wildfire

Wildfire RiskModerate
above 52% of the US · above 22% of Florida
Wildfire LikelihoodAbout 1 in 926 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 508 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
SpectrumCable1,000 / 1,000

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

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