169 Andreas St, Winter Haven, FL 33881 Property Records

Polk County property record for 169 Andreas St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,346 sqft · built 2020
Lot Size	0.126 acres (5,506 sqft)
Owner	2 Individual Names on Record
Last Sale	$263,900 (Dec 2020)
Tax Bill	$3,137 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522103-001210`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522103-001210`
Alternative APNs	`022826522103001210` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,346 sqft Living Area
Gross Area	2,766 sqft
1st Floor Area	942 sqft
Upper Floors Area	1,404 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,506 sqft (0.126 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch

Location & Zoning

Street Address	169 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 121
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE PARK RESERVE
Legal Block	2
Legal Lot Number	121
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	169 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage HOMETAP EQUITY PARTNERS LLC
Jun 19, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Dec 15, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2020 · Amount on Record
Deed Sale	Dec 15, 2020 · Amount on Record
Deed Document Number	2020270225
Deed Book / Page	11495 / 1406
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	169 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	169 ANDREAS ST, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number	0000242162
Date	Oct 15, 2025
Book Page	13737/1641
Instrument	2025242162

Lender

Name	HOMETAP EQUITY PARTNERS LLC
Type	Mortgage Company
Address	BOSTON, MA 02116

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Oct 9, 2035

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	169 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Transaction Type	Mortgage
Record Updated	Jul 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	169 ANDREAS ST, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number	0000143732
Date	Jun 19, 2023
Book Page	12734/797
Instrument	2023143732

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	Jan 1, 2051

December 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 15, 2020
Property Address	169 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0114951406
Book / Page	011495 / 001406
Instrument Date	Dec 11, 2020
Instrument	270225
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 29, 2020
Title Company	CAREFREE TITLE AGENCY INC, CAREFREE TITLE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,847.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	169 ANDREAS ST WINTER HAVEN FL 338819738, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number	114951409
Date	Dec 15, 2020
Book Page	011495/001409
Instrument	270226

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2050

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		$216,963 (+2.7%)	$243,341 (-6.76%) Land $50,000 Building $193,341
2025	$3,137.00 (-44.44%) Homeowner's exemption	$211,259 (+5.99%)	$260,978 (-6.59%) Land $50,000 Building $210,978
2023	$5,646.00 (+1.57%) Homeowner's exemption	$199,325 (+3%)	$279,397 (+22.33%) Land $48,000 Building $231,397
2022	$5,559.00 Homeowner's exemption	$193,519	$228,391 Land $40,000 Building $188,391

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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