185 Mandolin Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 185 Mandolin Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,338 sqft · built 2010
Lot Size	0.272 acres (11,853 sqft)
Owner	2 Individual Names on Record
Last Sale	$292,000 (Apr 2021)
Tax Bill	$5,424 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-13-687553-000690`

Property Details

APN / Parcel Number

Primary APN	`26-29-13-687553-000690`
Alternative APNs	`132926687553000690` `32926000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,338 sqft Living Area
Gross Area	2,779 sqft
1st Floor Area	2,338 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	11,853 sqft (0.272 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Pool Type	Enclosed Pool
Porch	Screened/Unfinished Porch
Porch Area	267 sqft

Location & Zoning

Street Address	185 MANDOLIN DR
City	WINTER HAVEN
State	FL
Zip	33884-3581
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MANDOLIN I PB 142 PGS 10-14 LOT 69
Legal Range	26E
Legal Township	29S
Legal Section	13
Legal Subdivision	MANDOLIN 1
Legal Tract	687553
Legal Block	1
Legal Lot Number	69
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1009
Census Tract	14006

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	185 MANDOLIN DR, WINTER HAVEN, FL 33884-3581
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Warranty Deed, Transfer · VA Mortgage AMERISAVE MORTGAGE CORP
Dec 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK
Jun 13, 2017	Warranty Deed, Transfer · Conventional with PMI THE MTG FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2021 · Amount on Record
Deed Sale	Apr 23, 2021 · Amount on Record
Prior Sale	Jun 13, 2017 · Amount on Record
Deed Document Number	2021105062
Deed Book / Page	11683 / 2221
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 23, 2021
Property Address	185 MANDOLIN DR, WINTER HAVEN, FL 33884-3581
Document Number	0000105062
Book / Page	11683 / 2221
Map Reference	MB 142 PG 10-14
Instrument Date	Apr 21, 2021
Instrument	2021105062
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	THE TITLE STATION INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,044.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4372 E LAKE DEXTER DR, 4372, WINTER HAVEN, FL 33884-2220

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 VICTORIA PARK DR APT 1203, 1203, DAVENPORT, FL 33896-3192

Mortgage

Document Number	0116832223
Date	Apr 23, 2021
Instrument	11683/2223

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	185 MANDOLIN DR, WINTER HAVEN, FL 33884-3581
Document Number	0114930036
Instrument Date	Dec 4, 2020
Transaction Type	Mortgage
Record Updated	Dec 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	185 MANDOLIN DR WINTER HAVEN FL 338843581, WINTER HAVEN, FL 33884-3581

Mortgage

Document Number	0114930036
Date	Dec 11, 2020
Book Page	011493/000036
Instrument	268638

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 13, 2017
Property Address	185 MANDOLIN DR, WINTER HAVEN, FL 33884-3581
Document Number	0101741437
Book / Page	010174 / 001437
Instrument Date	Jun 12, 2017
Instrument	112242
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,323.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	185 MANDOLIN DR WINTER HAVEN FL 338843581, WINTER HAVEN, FL 33884-3581

Mortgage

Document Number	101741439
Date	Jun 13, 2017
Book Page	010174/001439
Instrument	112243

Lender

Name	THE MTG FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 12, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%

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		$337,612 (+2.7%)	$349,720 (+6.38%) Land $62,000 Building $287,720
2025	$5,424.00 (+2.42%) Homeowner's exemption	$328,736 (+3.36%) Land $62,000 Building $266,736	$328,736 (-2.68%) Land $62,000 Building $266,736
2023	$5,296.00 (+10.38%) Homeowner's exemption	$318,053 (+9.76%)	$337,805 (+16.58%) Land $60,000 Building $277,805
2022	$4,798.00 Homeowner's exemption	$289,760 Land $50,000 Building $239,760	$289,760 Land $50,000 Building $239,760

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 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	5 (2004–2022)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2022 · Hurricane Ian

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	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

Nearby Properties on Mandolin Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures