170 Andreas St, Winter Haven, FL 33881 Property Records

Polk County property record for 170 Andreas St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,006 sqft · built 2021
Lot Size	0.132 acres (5,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Mar 2022)
Tax Bill	$4,879 (2025)
Deeds & Mortgages	Mar 2022 Sale Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522103-000170`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522103-000170`
Alternative APNs	`022826522103000170` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,006 sqft Living Area
Gross Area	2,447 sqft
1st Floor Area	2,006 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
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	Unfinished Open Porch

Location & Zoning

Street Address	170 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 17
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE PARK RESERVE
Legal Block	2
Legal Lot Number	17
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	170 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Warranty Deed, Transfer
Jun 17, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC
Dec 18, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2022 · Amount on Record
Deed Sale	Mar 17, 2022 · Amount on Record
Prior Sale	Jun 17, 2021 · Amount on Record
Deed Document Number	202272871
Deed Book / Page	12166 / 1072
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 17, 2022
Property Address	170 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0000072871
Book / Page	12166 / 1071
Map Reference	MB 176 PG 43
Instrument Date	Mar 10, 2022
Instrument	2022072871
Transaction Type	Transfer
Record Updated	Feb 23, 2023

Transaction

Amount	Amount Recorded
Tax	$2,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3120 AQUA VIRGO LOOP, ORLANDO, FL 32837-4030

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Investor	Possibly a Property Investor

June 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 17, 2021
Property Address	170 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0000157427
Book / Page	11764 / 1733
Map Reference	MB 176 PG 43-49
Instrument Date	May 25, 2021
Instrument	2021157427
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 23, 2023
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,718.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8529 SOUTHPARK CIR STE 130, 130, ORLANDO, FL 32819-9016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 ANDREAS ST, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number	0117641735
Date	Jun 17, 2021
Instrument	11764/1735

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 18, 2020
Property Address	170 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number	0115030682
Book / Page	011503 / 000682
Instrument Date	Dec 17, 2020
Instrument	275220
Transaction Type	Transfer
Record Updated	Dec 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,469.00
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

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		$241,526 (-7.44%) Land $50,000 Building $191,526	$241,526 (-7.44%) Land $50,000 Building $191,526
2025	$4,879.00 (-39.1%)	$260,947 (-7.4%) Land $50,000 Building $210,947	$260,947 (-7.4%) Land $50,000 Building $210,947
2023	$8,012.00 (+5.06%)	$281,801 (+8.64%) Land $48,000 Building $233,801	$281,801 (+8.64%) Land $48,000 Building $233,801
2022	$7,626.00	$259,400 Land $40,000 Building $219,400	$259,400 Land $40,000 Building $219,400

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
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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