275 Oleander St, Winter Haven, FL 33881 Property Records

Polk County property record for 275 Oleander St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,431 sqft · built 2018
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$176,500 (Dec 2018)
Tax Bill	$2,283 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-03-522507-000120`

Property Details

APN / Parcel Number

Primary APN	`26-28-03-522507-000120`
Alternative APNs	`032826522507000120` `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	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,001 sqft (0.115 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	399 sqft
Porch	Unfinished Open Porch
Porch Area	20 sqft

Location & Zoning

Street Address	275 OLEANDER ST
City	WINTER HAVEN
State	FL
Zip	33881-0727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKES AT LUCERNE PARK PHASE THREE PB 154 PG 25-26 LOT 12
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	12
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2028
Census Tract	12803

Owner

275 Oleander St is owned and occupied by two individuals who bought it in December 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	275 OLEANDER ST, WINTER HAVEN, FL 33881-0727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Dec 12, 2018	Grant Deed, Subdivision Related Transfer · VA Mortgage NVR MTG FIN
Jul 26, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2018 · Amount on File
Deed Sale	Dec 12, 2018 · Amount on File
Prior Sale	Jul 26, 2018 · Amount on File
Deed Document Number	2018257366
Deed Book / Page	10695 / 1365
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	275 OLEANDER ST, WINTER HAVEN, FL 33881-0727
Document Number	0111012254
Instrument Date	Dec 30, 2019
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	275 OLEANDER ST WINTER HAVEN FL 338810727, WINTER HAVEN, FL 33881-0727

Mortgage

Document Number	0111012254
Date	Jan 9, 2020
Book Page	011101/002254
Instrument	5764

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 8, 2050

December 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 12, 2018
Property Address	275 OLEANDER ST, WINTER HAVEN, FL 33881-0727
Document Number	0106951365
Book / Page	010695 / 001365
Instrument Date	Dec 10, 2018
Instrument	257366
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,235.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	275 OLEANDER ST WINTER HAVEN FL 338810727, WINTER HAVEN, FL 33881-0727

Mortgage

Document Number	106951367
Date	Dec 12, 2018
Book Page	010695/001367
Instrument	257367

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 11, 2048

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jul 26, 2018
Property Address	275 OLEANDER ST, WINTER HAVEN, FL 33881-0727
Document Number	0105611404
Book / Page	010561 / 001404
Instrument Date	Jul 25, 2018
Instrument	159563
Transaction Type	Transfer
Record Updated	Aug 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$672.00
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 275 Oleander St was $2,283 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		$168,021 (+2.7%)	$201,269 (-7.73%) Land $39,000 Building $162,269
2025	$2,283.00 Homeowner's exemption	$163,604	$218,140 Land $39,000 Building $179,140
2023	$2,144.00 (+3.13%) Homeowner's exemption	$154,362 (+3%)	$229,741 (+10.36%) Land $38,000 Building $191,741
2022	$2,079.00 Homeowner's exemption	$149,866	$208,169 Land $32,000 Building $176,169

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

Flood

FEMA maps place 275 Oleander St in Zone X, an area of minimal flood risk, within 100 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 100 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 275 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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