191 Mandolin Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 191 Mandolin Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,486 sqft · built 2007
Lot Size	0.278 acres (12,088 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Jun 2026)
Tax Bill	$3,900 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-13-687553-000700`

Property Details

APN / Parcel Number

Primary APN	`26-29-13-687553-000700`
Alternative APNs	`132926687553000700` `32926000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,486 sqft Living Area
Gross Area	2,948 sqft
1st Floor Area	2,486 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	12,088 sqft (0.278 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	462 sqft
Porch	Screened/Unfinished Porch
Porch Area	295 sqft

Location & Zoning

Street Address	191 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 70
Legal Range	26E
Legal Township	29S
Legal Section	13
Legal Subdivision	MANDOLIN 1
Legal Tract	687553
Legal Block	1
Legal Lot Number	70
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	Individual Name on Record
Mailing Address	191 MANDOLIN DR, WINTER HAVEN, FL 33884-3581
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Jun 8, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR
Mar 18, 2020	Warranty Deed, Transfer · FHA Mortgage PEOPLES MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2026 · Amount on Record
Deed Sale	Jun 8, 2026 · Amount on Record
Prior Sale	Oct 14, 2024 · Amount on Record
Deed Document Number	2026136382
Deed Book / Page	14029 / 621
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	191 MANDOLIN DR, WINTER HAVEN, FL 33884-3581
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 MANDOLIN DR, WINTER HAVEN, FL 33884-3581

Mortgage

Document Number	0000073192
Date	Mar 23, 2021
Book Page	11633/2231
Instrument	2021073192

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 8, 2026
Property Address	191 MANDOLIN DR, WINTER HAVEN, FL 33884-3581
Document Number	0000136382
Book / Page	14029 / 621
Instrument Date	May 21, 2026
Instrument	2026136382
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	HOMEPARTNERS TITLE INC, HOMEPARTNERS TITLE SERVICES LL

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$275,730.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 MANDOLIN DR, WINTER HAVEN, FL 33884-3581

Mortgage

Document Number	0000136383,
Date	Jun 8, 2026
Instrument	2026136383

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 18, 2020
Property Address	191 MANDOLIN DR, WINTER HAVEN, FL 33884-3581
Document Number	0111801591
Book / Page	011180 / 001591
Instrument Date	Mar 13, 2020
Instrument	62584
Transaction Type	Transfer
Record Updated	May 5, 2020
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	191 MANDOLIN DR WINTER HAVEN FL 338843581, WINTER HAVEN, FL 33884-3581

Mortgage

Document Number	111801592
Date	Mar 18, 2020
Book Page	011180/001592
Instrument	62585

Lender

Name	PEOPLES MTG
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 17, 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		$255,303 (+2.7%)	$309,153 (-1.4%) Land $62,000 Building $247,153
2025	$3,900.00 (-23.26%)	$248,591 (-19%)	$313,555 (-4.14%) Land $62,000 Building $251,555
2023	$5,082.00 (+2.52%) Homeowner's exemption	$306,908 (+3%)	$327,089 (+9.77%) Land $60,000 Building $267,089
2022	$4,957.00 Homeowner's exemption	$297,969 Land $50,000 Building $247,969	$297,969 Land $50,000 Building $247,969

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 100 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.

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