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178 Andreas St, Winter Haven, FL 33881 Property Records

Polk County property record for 178 Andreas St, Winter Haven, FL 33881 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2021
Square Footage1,990 sqft Living Area
Lot Size7,314 sqft (0.168 acres)
GarageAttached, 441 sqft
Last Sale$330,000 (2022)
Tax Bill$4,895.00 (2025)

Property Details

APN / Parcel Number

Primary APN26-28-02-522103-000190
Alternative APNs
  • 022826522103000190
  • 22826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,990 sqft Living Area
Gross Area2,431 sqft Gross Area
1st Floor1,990 sqft 1st Floor
Stories1 Stories

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area7,314 sqft (0.168 acres)
Garage TypeAttached Garage
Garage Area441 sqft Garage

Location & Zoning

Street Address178 ANDREAS ST
CityWINTER HAVEN
StateFL
Zip33881-9738
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLUCERNE PARK RESERVE PB 176 PGS 43-49 LOT 19
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE PARK RESERVE
Legal Block2
Legal Lot Number19
JurisdictionPOLK FL
Minor Civil DivisionWINTER HAVEN-AUBURNDALE
Census Blockgroup2
Census Block2019
Census Tract12804

Owner

Source: Polk County records · APN 26-28-02-522103-000190

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 RecordCompany Name on File
Mailing Address1850 PARKWAY PL SE, 900, MARIETTA, GA 30067-8261
Owner TypeOwner is a Company

Deeds, Mortgages & Sale History

DateDocument
Jul 13, 2022Deed of Trust, Mortgage · Unknown
MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Feb 17, 2022Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
May 20, 2021Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage
JET HOMELOANS LLC
Dec 17, 2020Loan Modification, Mortgage
HOUSING CAP
Dec 18, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 17, 2022 · Amount on Record
Deed SaleFeb 17, 2022 · Amount on Record
Prior SaleMay 20, 2021 · Amount on Record
Deed Doc Number202243829
Deed Book / Page12121 / 1503
Record RefreshedSep 20, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address178 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Transaction TypeMortgage
Record UpdatedFeb 23, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

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

February 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateFeb 17, 2022
Property Address178 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number0000043829
Book / Page12121 / 1503
Map ReferenceMB 176 PG 43-49
Instrument DateFeb 15, 2022
Instrument2022043829
Transaction TypeTransfer
Record UpdatedFeb 23, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$2,310.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address608 S AMELIA AVE, DELAND, FL 32724-6908

Transferred To (Grantee/Buyer)

NameVerified Name
Address1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
InvestorPossibly a Property Investor

May 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 20, 2021
Property Address178 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number0000131548
Book / Page11723 / 1831
Map ReferenceMB 176 PG 43-49
Instrument DateMay 17, 2021
Instrument2021131548
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 23, 2023
Title CompanyGOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,675.80
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address8529 SOUTHPARK CIR STE 130, 130, ORLANDO, FL 32819-9016

Transferred To (Grantee/Buyer)

NameVerified Name
Address178 ANDREAS ST, WINTER HAVEN, FL 33881-9738

Mortgage

Document Number0117231833
DateMay 20, 2021
Instrument11723/1833
Lender
NameJET HOMELOANS LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

December 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address178 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number0115132214
Instrument DateDec 17, 2020
Transaction TypeMortgage
Record UpdatedJan 14, 2021
Title CompanyOTHER

Transaction

Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743

Mortgage

Document Number0115132214
DateDec 29, 2020
Book Page011513/002214
Instrument281508
Lender
NameHOUSING CAP
TypeFunding / Finance Company
Address13737 NOEL RD # 800, DALLAS, TX 75240-1331
Agreement
AmountAmount Recorded

December 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateDec 18, 2020
Property Address178 ANDREAS ST, WINTER HAVEN, FL 33881-9738
Document Number0115030682
Book / Page011503 / 000682
Instrument DateDec 17, 2020
Instrument275220
Transaction TypeTransfer
Record UpdatedDec 31, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$2,469.00
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742
InvestorPossibly a Property Investor

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,895.00 (-39.03%)$261,803 (-7.38%) Land $50,000 Building $211,803$261,803 (-7.38%) Land $50,000 Building $211,803
2023$8,029.00 (+5.17%)$282,666 (+8.79%) Land $48,000 Building $234,666$282,666 (+8.79%) Land $48,000 Building $234,666
2022$7,634.00$259,827 Land $40,000 Building $219,827$259,827 Land $40,000 Building $219,827

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

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; lenders make the official flood determination.

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