232 Oleander St, Winter Haven, FL 33881 Property Records

Polk County property record for 232 Oleander St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,431 sqft · built 2017
Lot Size	0.131 acres (5,724 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Oct 2017)
Tax Bill	$2,074 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-03-522507-000240`

Property Details

APN / Parcel Number

Primary APN	`26-28-03-522507-000240`
Alternative APNs	`032826522507000240` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,431 sqft Living Area
Gross Area	1,830 sqft
1st Floor Area	1,431 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,724 sqft (0.131 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	399 sqft
Porch	Unfinished Open Porch
Porch Area	20 sqft

Location & Zoning

Street Address	232 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 24
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	24
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2031
Census Tract	12803

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	232 OLEANDER ST, WINTER HAVEN, FL 33881-0726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Oct 5, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage NVR MTG FIN
Jun 19, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2017 · Amount on Record
Deed Sale	Oct 5, 2017 · Amount on Record
Prior Sale	Jun 19, 2017 · Amount on Record
Deed Document Number	2017190269
Deed Book / Page	10278 / 537
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	232 OLEANDER ST, WINTER HAVEN, FL 33881-0726
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 OLEANDER ST, WINTER HAVEN, FL 33881-0726

Mortgage

Document Number	0000163672
Date	Jun 23, 2021
Book Page	11774/296
Instrument	2021163672

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	317 Months
Due	Nov 1, 2047

October 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Oct 5, 2017
Property Address	232 OLEANDER ST, WINTER HAVEN, FL 33881-0726
Document Number	0102780537
Book / Page	010278 / 000537
Instrument Date	Oct 3, 2017
Instrument	190269
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 OLEANDER ST WINTER HAVEN FL 338810726, WINTER HAVEN, FL 33881-0726

Mortgage

Document Number	102780539
Date	Oct 5, 2017
Book Page	010278/000539
Instrument	190270

Lender

Name	NVR MTG FIN
Type	Mortgage Company
Address	CANONABURG, PA 15317

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2047

Mortgage

Document Number	102780552,
Date	Oct 5, 2017
Book Page	010278/000552
Instrument	190271

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Amount	Amount Recorded

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jun 19, 2017
Property Address	232 OLEANDER ST, WINTER HAVEN, FL 33881-0726
Document Number	0101801491
Book / Page	010180 / 001491
Instrument Date	Jun 19, 2017
Instrument	116804
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$894.00
Additional	Arm's Length Multiple Parcels

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

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		$156,764 (+2.7%)	$199,560 (-7.73%) Land $39,000 Building $160,560
2025	$2,074.00 (+6.63%) Homeowner's exemption	$152,643 (+5.99%)	$216,274 (-5.04%) Land $39,000 Building $177,274
2023	$1,945.00 (+3.29%) Homeowner's exemption	$144,020 (+3%)	$227,764 (+10.37%) Land $38,000 Building $189,764
2022	$1,883.00 Homeowner's exemption	$139,825	$206,371 Land $32,000 Building $174,371

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
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

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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