Polk County property record for 245 Mandolin Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,987 sqft · built 2007 |
| Lot Size | 0.379 acres (16,501 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $258,400 (Sep 2007) |
| Tax Bill | $3,301 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-13-687553-000780 |
| Primary APN | 26-29-13-687553-000780 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,987 sqft Living Area |
| Gross Area | 3,427 sqft |
| 1st Floor Area | 2,987 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 16,501 sqft (0.379 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 25 sqft |
| Street Address | 245 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 78 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 13 |
| Legal Subdivision | MANDOLIN 1 |
| Legal Tract | 687553 |
| Legal Block | 1 |
| Legal Lot Number | 78 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 14006 |
Source: Polk County records, as of June 23, 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 | 245 MANDOLIN DR, WINTER HAVEN, FL 33884-3583 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2021 | Deed of Trust, Mortgage · VA Mortgage BAY EQUITY LLC |
| Jan 17, 2019 | Deed of Trust, Mortgage · VA Mortgage WEI MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 2007 · Amount on Record |
| Deed Sale | Sep 10, 2007 · Amount on Record |
| Deed Document Number | 2007189614 |
| Deed Book / Page | 7420 / 1249 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 245 MANDOLIN DR, WINTER HAVEN, FL 33884-3583 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 245 MANDOLIN DR, WINTER HAVEN, FL 33884-3583 |
| Document Number | 0000256077 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 11918/547 |
| Instrument | 2021256077 |
| Name | BAY EQUITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CORTE MADERA, CA 94925 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 245 MANDOLIN DR, WINTER HAVEN, FL 33884-3583 |
| Document Number | 0107311581 |
| Instrument Date | Jan 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2019 |
| Title Company | ELEVATED TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 245 MANDOLIN DR WINTER HAVEN FL 338843583, WINTER HAVEN, FL 33884-3583 |
| Document Number | 0107311581 |
|---|---|
| Date | Jan 24, 2019 |
| Book Page | 010731/001581 |
| Instrument | 15322 |
| Name | WEI MTG |
|---|---|
| Type | Mortgage Company |
| Address | MCLEAN, VA 22102 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 23, 2049 |
Source: Polk County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,301.00 (+6.07%) Homeowner's exemption | $222,144 (+5.99%) | $367,056 (-4.08%) Land $62,000 Building $305,056 |
| 2023 | $3,112.00 (+2.91%) Homeowner's exemption | $209,595 (+3%) | $382,688 (+7.52%) Land $60,000 Building $322,688 |
| 2022 | $3,024.00 Homeowner's exemption | $203,490 | $355,927 Land $50,000 Building $305,927 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 454 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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