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173 Andreas St, Winter Haven, FL 33881 Property Records

Polk County property record for 173 Andreas St, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,844 sqft · built 2020
Lot Size0.267 acres (11,639 sqft)
OwnerCompany Name on File
Last Sale$315,000 (Nov 2021)
Tax Bill$4,533 (2025)
Deeds & MortgagesJul 2022 Mortgage
Nov 2021 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-28-02-522103-001200

Property Details

APN / Parcel Number

Primary APN26-28-02-522103-001200
Alternative APNs
  • 022826522103001200
  • 22826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,844 sqft Living Area
Gross Area2,264 sqft
1st Floor Area1,844 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area11,639 sqft (0.267 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch

Location & Zoning

Street Address173 ANDREAS ST
CityWINTER HAVEN
StateFL
Zip33881-9738
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 120
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE PARK RESERVE
Legal Block2
Legal Lot Number120
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2019
Census Tract12804

Owner

173 Andreas St is owned by a company that bought it in November 2021.

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

Owner of RecordCompany Name on File
Mailing Address600 GALLERIA PKWY SE, 300, ATLANTA, GA 30339-8146
Owner TypeCompany

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

DateDocument
Jul 13, 2022Deed of Trust, Mortgage · Unknown
MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Nov 20, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Dec 15, 2020Grant Deed, Subdivision Related Transfer
CAREFREE TITLE AGENCY INC, CAREFREE TITLE AGCY INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 20, 2021 · Amount on File
Deed SaleNov 20, 2021 · Amount on File
Prior SaleDec 15, 2020 · Amount on File
Deed Document Number2021305260
Deed Book / Page11994 / 1147
Record UpdatedOct 29, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address173 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Transaction TypeMortgage
Record UpdatedJul 28, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000190824
DateJul 13, 2022
Book Page12336/868
Instrument2022190824
Lender
NameMORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
TypeMortgage Company
AddressDULUTH, GA 30096
Agreement
TypeUnknown
AmountAmount on Record

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateNov 20, 2021
Property Address173 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number0000305260
Book / Page11994 / 1147
Map ReferenceMB 176 PG 43-49
Instrument DateNov 16, 2021
Instrument2021305260
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$2,205.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address13517 PARKFIELD WAY, 13517, WINTER GARDEN, FL 34787-8621

Transferred To (Grantee/Buyer)

NameVerified Name
Address1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261

December 2020: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateDec 15, 2020
Property Address173 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number0114951292
Book / Page011495 / 001292
Instrument DateDec 11, 2020
Instrument270206
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 29, 2020
Title CompanyCAREFREE TITLE AGENCY INC, CAREFREE TITLE AGCY INC

Transaction

AmountAmount on Record
Tax$1,806.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address173 ANDREAS ST WINTER HAVEN FL 338819738, WINTER HAVEN, FL 33881-9738

Tax Assessment & Valuation

The 2025 property tax bill for 173 Andreas St was $4,533.

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$224,658 (-7.34%) Land $50,000 Building $174,658$224,658 (-7.34%) Land $50,000 Building $174,658
2025$4,533.00$242,451 Land $50,000 Building $192,451$242,451 Land $50,000 Building $192,451
2023$7,669.00 (+4.84%)$263,616 (+8.44%) Land $48,000 Building $215,616$263,616 (+8.44%) Land $48,000 Building $215,616
2022$7,315.00$243,089 Land $40,000 Building $203,089$243,089 Land $40,000 Building $203,089

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

Flood

FEMA maps place 173 Andreas St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
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

Wildfire risk around 173 Andreas St is moderate, ranking above 51% of the US, with a 0.1% annual chance of 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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