208 Oleander St, Winter Haven, FL 33881 Property Records

Polk County property record for 208 Oleander St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,480 sqft · built 2017
Lot Size	0.132 acres (5,728 sqft)
Owner	Individual Name on File
Last Sale	$194,600 (Aug 2017)
Tax Bill	$2,920 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Aug 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-03-522507-000280`

Property Details

APN / Parcel Number

Primary APN	`26-28-03-522507-000280`
Alternative APNs	`032826522507000280` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,480 sqft Living Area
Gross Area	2,921 sqft
1st Floor Area	1,112 sqft
Upper Floors Area	1,368 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	5,728 sqft (0.132 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch
Porch Area	39 sqft

Location & Zoning

Street Address	208 OLEANDER ST
City	WINTER HAVEN
State	FL
Zip	33881-0726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKES AT LUCERNE PARK PHASE THREE PB 154 PG 25-26 LOT 28
Legal Range	26E
Legal Township	28S
Legal Section	03
Legal Subdivision	LAKES AT LUCERNE PARK PHASE THREE
Legal Phase	3
Legal Tract	522507
Legal Block	2
Legal Lot Number	28
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2031
Census Tract	12803

Owner

208 Oleander St is owned and occupied by an individual who bought it in August 2017.

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

Owner of Record	Individual Name on File
Mailing Address	208 OLEANDER ST, WINTER HAVEN, FL 33881-0726
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Dec 5, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Aug 3, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage NVR MTG FIN
Apr 11, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2017 · Amount on File
Deed Sale	Aug 3, 2017 · Amount on File
Prior Sale	Apr 11, 2017 · Amount on File
Deed Document Number	2017148324
Deed Book / Page	10223 / 1131
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	208 OLEANDER ST, WINTER HAVEN, FL 33881-0726
Transaction Type	Mortgage
Record Updated	Dec 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 OLEANDER ST, WINTER HAVEN, FL 33881-0726

Mortgage

Document Number	0000283735
Date	Dec 5, 2023
Book Page	12929/1181
Instrument	2023283735

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	330 Months
Due	Jun 1, 2051

August 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Aug 3, 2017
Property Address	208 OLEANDER ST, WINTER HAVEN, FL 33881-0726
Document Number	0102231131
Book / Page	010223 / 001131
Instrument Date	Jul 31, 2017
Instrument	148324
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 1, 2021
Title Company	NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,362.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	208 OLEANDER ST WINTER HAVEN FL 338810726, WINTER HAVEN, FL 33881-0726

Mortgage

Document Number	102231133
Date	Aug 3, 2017
Book Page	010223/001133
Instrument	148325

Lender

Name	NVR MTG FIN
Type	Mortgage Company
Address	655 SOUTHPOLNTE BLVD, CANONSBURG, PA 15317

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2047

Mortgage

Document Number	102231146,
Date	Aug 3, 2017
Book Page	010223/001146
Instrument	148326

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Amount	Amount on Record

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Apr 11, 2017
Property Address	208 OLEANDER ST, WINTER HAVEN, FL 33881-0726
Document Number	0101150529
Book / Page	010115 / 000529
Instrument Date	Apr 10, 2017
Instrument	68183
Transaction Type	Transfer
Record Updated	Jun 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$126.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4307 VINELAND RD #H20 ORLANDO FL 328117374, H20, ORLANDO, FL 32811-7374
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 208 Oleander St was $2,920 with a homeowner's exemption.

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		$202,396 (+2.7%)	$264,705 (-7.48%) Land $39,000 Building $225,705
2025	$2,920.00 Homeowner's exemption	$197,075	$286,094 Land $39,000 Building $247,094
2023	$2,753.00 (+2.92%) Homeowner's exemption	$185,943 (+3%)	$297,611 (+22.97%) Land $38,000 Building $259,611
2022	$2,675.00 Homeowner's exemption	$180,527	$242,022 Land $32,000 Building $210,022

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

Flood

FEMA maps place 208 Oleander 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	8 in force

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 208 Oleander St is high, ranking above 70% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.2% 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 285 locations within half a mile, as of December 31, 2025

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

May also be available: Frontier, Hotwire Communications.

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