209 Mandolin Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 209 Mandolin Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,475 sqft · built 2010
Lot Size	0.264 acres (11,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,700 (Jul 2010)
Tax Bill	$2,662 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-13-687553-000720`

Property Details

APN / Parcel Number

Primary APN	`26-29-13-687553-000720`
Alternative APNs	`132926687553000720` `32926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,475 sqft Living Area
Gross Area	2,895 sqft
1st Floor Area	2,475 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	11,504 sqft (0.264 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Screened/Unfinished Porch
Porch Area	304 sqft

Location & Zoning

Street Address	209 MANDOLIN DR
City	WINTER HAVEN
State	FL
Zip	33884-3583
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MANDOLIN I PB 142 PGS 10-14 LOT 72
Legal Range	26E
Legal Township	29S
Legal Section	13
Legal Subdivision	MANDOLIN 1
Legal Tract	687553
Legal Block	1
Legal Lot Number	72
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	209 MANDOLIN DR, WINTER HAVEN, FL 33884-3583
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Nov 9, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Oct 19, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MTG
Aug 10, 2018	Deed of Trust, Mortgage · VA Mortgage GREAT PLAINS NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2010 · Amount on Record
Deed Sale	Jul 1, 2010 · Amount on Record
Deed Document Number	2010103559
Deed Book / Page	8169 / 677
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Apr 9, 2026
Property Address	209 MANDOLIN DR, WINTER HAVEN, FL 33884-3583
Document Number	0000082882
Book / Page	13949 / 1703
Instrument Date	Apr 1, 2026
Instrument	202682882
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 MANDOLIN DR, WINTER HAVEN, FL 33884-3583

Mortgage

Document Number	0000082882,
Date	Apr 9, 2026
Book Page	13949/1703
Instrument	202682882

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 27, 2036

Interest

Rate	6%
Max Rate	-1%

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Nov 9, 2021
Property Address	209 MANDOLIN DR, WINTER HAVEN, FL 33884-3583
Document Number	0000292464
Book / Page	11974 / 941
Map Reference	MB 142 PG 10
Instrument Date	Oct 28, 2021
Instrument	2021292464
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 MANDOLIN DR, WINTER HAVEN, FL 33884-3583

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	209 MANDOLIN DR, WINTER HAVEN, FL 33884-3583
Document Number	0114480917
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Nov 23, 2020
Title Company	ALAMO TITLE COMPANY, ALAMO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 MANDOLIN DR WINTER HAVEN FL 338843583, WINTER HAVEN, FL 33884-3583

Mortgage

Document Number	0114480917
Date	Nov 9, 2020
Book Page	011448/000917
Instrument	239183

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	209 MANDOLIN DR, WINTER HAVEN, FL 33884-3583
Document Number	0105880344
Instrument Date	Aug 10, 2018
Transaction Type	Mortgage
Record Updated	Sep 11, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 MANDOLIN DR WINTER HAVEN FL 338843583, WINTER HAVEN, FL 33884-3583

Mortgage

Document Number	0105880344
Date	Aug 21, 2018
Book Page	010588/000344
Instrument	178442

Lender

Name	GREAT PLAINS NAT'L BK
Type	Bank
Address	OKLAHOMA CITY, OK 73132

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Aug 20, 2043

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		$198,742 (+2.7%)	$311,656 (-0.52%) Land $62,000 Building $249,656
2025	$2,662.00 (+3.46%) Homeowner's exemption Veteran's exemption Widower's exemption	$193,517 (+5.99%)	$313,282 (-5%) Land $62,000 Building $251,282
2024	$2,573.00 (+3.13%)
2023	$2,495.00 (-0.36%) Homeowner's exemption	$182,585 (+3%)	$329,776 (+9.59%) Land $60,000 Building $269,776
2022	$2,504.00 Homeowner's exemption	$177,267	$300,929 Land $50,000 Building $250,929

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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