198 Mandolin Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 198 Mandolin Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,398 sqft · built 2009
Lot Size	0.279 acres (12,149 sqft)
Owner	Individual Name on Record
Last Sale	$218,200 (Sep 2009)
Tax Bill	$3,190 (2025)
Deeds & Mortgages	Nov 2022 Second Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-13-687553-001050`

Property Details

APN / Parcel Number

Primary APN	`26-29-13-687553-001050`
Alternative APNs	`132926687553001050` `32926000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,398 sqft Living Area
Gross Area	3,038 sqft
1st Floor Area	2,398 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	12,149 sqft (0.279 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	640 sqft
Pool Type	Enclosed Pool
Porch	Unfinished Open Porch
Porch Area	70 sqft

Location & Zoning

Street Address	198 MANDOLIN DR
City	WINTER HAVEN
State	FL
Zip	33884-3580
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MANDOLIN I PB 142 PGS 10-14 LOT 105
Legal Range	26E
Legal Township	29S
Legal Section	13
Legal Subdivision	MANDOLIN 1
Legal Tract	687553
Legal Block	1
Legal Lot Number	105
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1010
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	198 MANDOLIN DR, WINTER HAVEN, FL 33884-3580
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDFLORIDA CU
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage RP FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2009 · Amount on Record
Deed Sale	Sep 11, 2009 · Amount on Record
Deed Document Number	2009166152
Deed Book / Page	7971 / 1015
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	198 MANDOLIN DR, WINTER HAVEN, FL 33884-3580
Transaction Type	Mortgage
Record Updated	Dec 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 MANDOLIN DR, WINTER HAVEN, FL 33884-3580

Mortgage

Document Number	0000307825
Date	Nov 29, 2022
Book Page	12497/405
Instrument	2022307825

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Dec 1, 2029

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	198 MANDOLIN DR, WINTER HAVEN, FL 33884-3580
Document Number	0112460521
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 MANDOLIN DR WINTER HAVEN FL 338843580, WINTER HAVEN, FL 33884-3580

Mortgage

Document Number	0112460521
Date	May 28, 2020
Book Page	011246/000521
Instrument	105668

Lender

Name	RP FNDG
Type	Funding / Finance Company
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 27, 2040

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		$222,140 (+2.7%)	$330,272 (+0.75%) Land $62,000 Building $268,272
2025	$3,190.00 (+6.12%) Homeowner's exemption	$216,300 (+5.99%)	$327,807 (-3.65%) Land $62,000 Building $265,807
2023	$3,006.00 (-0.03%) Homeowner's exemption	$204,082 (+3%)	$340,229 (+8.28%) Land $60,000 Building $280,229
2022	$3,007.00 Homeowner's exemption	$198,138	$314,215 Land $50,000 Building $264,215

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.

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