250 Oleander St, Winter Haven, FL 33881 Property Records

Polk County property record for 250 Oleander St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,480 sqft · built 2017
Lot Size	0.129 acres (5,597 sqft)
Owner	2 Individual Names on File
Last Sale	$191,900 (May 2017)
Tax Bill	$2,919 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-03-522507-000210`

Property Details

APN / Parcel Number

Primary APN	`26-28-03-522507-000210`
Alternative APNs	`032826522507000210` `32826000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
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	Hip
Roof Material	Other
Lot Area	5,597 sqft (0.129 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch
Porch Area	37 sqft

Location & Zoning

Street Address	250 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 21
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	21
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2031
Census Tract	12803

Owner

250 Oleander St is owned and occupied by two individuals who bought it in May 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	250 OLEANDER ST, WINTER HAVEN, FL 33881-0726
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 12, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
May 31, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage GEORGE MASON MTG
Feb 13, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2017 · Amount on File
Deed Sale	May 31, 2017 · Amount on File
Prior Sale	Feb 13, 2017 · Amount on File
Deed Document Number	2017102650
Deed Book / Page	10160 / 1184
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	250 OLEANDER ST, WINTER HAVEN, FL 33881-0726
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	250 OLEADER STREET, WINTER HAVEN, FL 33881-0726

Mortgage

Document Number	0000178353
Date	Jul 12, 2021
Book Page	11795/1798
Instrument	2021178353

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

May 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	May 31, 2017
Property Address	250 OLEANDER ST, WINTER HAVEN, FL 33881-0726
Document Number	0101601184
Book / Page	010160 / 001184
Instrument Date	May 26, 2017
Instrument	102650
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 28, 2017
Title Company	NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,343.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	250 OLEANDER ST WINTER HAVEN FL 338810726, WINTER HAVEN, FL 33881-0726

Mortgage

Document Number	101601186
Date	May 31, 2017
Book Page	010160/001186
Instrument	102651

Lender

Name	GEORGE MASON MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 30, 2047

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Feb 13, 2017
Property Address	250 OLEANDER ST, WINTER HAVEN, FL 33881-0726
Document Number	0100641665
Book / Page	010064 / 001665
Instrument Date	Feb 13, 2017
Instrument	28579
Transaction Type	Transfer
Record Updated	Jun 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$252.00
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

The 2025 property tax bill for 250 Oleander St was $2,919 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		$202,350 (+2.7%)	$264,639 (-7.48%) Land $39,000 Building $225,639
2025	$2,919.00 Homeowner's exemption	$197,030	$286,023 Land $39,000 Building $247,023
2023	$2,752.00 (+2.92%) Homeowner's exemption	$185,900 (+3%)	$297,537 (+22.96%) Land $38,000 Building $259,537
2022	$2,674.00 Homeowner's exemption	$180,485	$241,971 Land $32,000 Building $209,971

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

Flood

FEMA maps place 250 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 250 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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