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280 Oleander St, Winter Haven, FL 33881 Property Records

Polk County property record for 280 Oleander St, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,998 sqft · built 2017
Lot Size0.159 acres (6,913 sqft)
OwnerIndividual Name on Record
Last Sale$323,000 (May 2022)
Tax Bill$3,945 (2025)
Deeds & MortgagesMay 2022 Sale & Mortgage
Jun 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-03-522507-000160

Property Details

APN / Parcel Number

Primary APN26-28-03-522507-000160
Alternative APNs
  • 032826522507000160
  • 32826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,998 sqft Living Area
Gross Area2,460 sqft
1st Floor Area750 sqft
Upper Floors Area1,248 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area6,913 sqft (0.159 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area462 sqft
PorchUnfinished Open Porch
Porch Area136 sqft

Location & Zoning

Street Address280 OLEANDER ST
CityWINTER HAVEN
StateFL
Zip33881-0726
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKES AT LUCERNE PARK PHASE THREE PB 154 PG 25-26 LOT 16
Legal Range26E
Legal Township28S
Legal Section03
Legal SubdivisionLAKES AT LUCERNE PARK PHASE THREE
Legal Phase3
Legal Tract522507
Legal Block2
Legal Lot Number16
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2031
Census Tract12803

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 RecordIndividual Name on Record
Mailing Address280 OLEANDER ST, WINTER HAVEN, FL 33881-0726
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 9, 2022Warranty Deed, Transfer · FHA Mortgage
ROYAL PACIFIC FUNDING CORP
Jun 30, 2017Deed of Trust, Mortgage · Conventional with PMI
NVR MTG FIN

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 9, 2022 · Amount on Record
Deed SaleMay 9, 2022 · Amount on Record
Prior SaleJul 5, 2017 · Amount on Record
Deed Document Number2022126173
Deed Book / Page12245 / 120
Record UpdatedOct 29, 2026

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 9, 2022
Property Address280 OLEANDER ST, WINTER HAVEN, FL 33881-0726
Document Number0000126173
Book / Page12245 / 120
Map ReferenceMB 154 PG 25&26
Instrument DateApr 28, 2022
Instrument2022126173
Transaction TypeTransfer
Record UpdatedMay 23, 2022
Title CompanyEQUITABLE TITLE/CELEBRATION, EQUITABLE TTL OF CELEBRATION

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,261.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address288 SUNSET DR E, 288, WINTER HAVEN, FL 33881

Transferred To (Grantee/Buyer)

NameVerified Name
Address280 OLEANDER ST, WINTER HAVEN, FL 33881-0726

Mortgage

Document Number0012245122
DateMay 9, 2022
Instrument12245/122
Lender
NameROYAL PACIFIC FUNDING CORP
TypeLending Institution
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2052

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address280 OLEANDER ST, WINTER HAVEN, FL 33881-0726
Document Number0101941271
Book / Page010194 / 001271
Instrument DateJun 30, 2017
Transaction TypeMortgage
Record UpdatedJul 19, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address280 OLEANDER ST WINTER HAVEN FL 338810726, WINTER HAVEN, FL 33881-0726

Mortgage

Document Number0101941271
DateJul 5, 2017
Book Page010194/001271
Instrument126918
Lender
NameNVR MTG FIN
TypeMortgage Company
Address555 SOUTHPOINTE BLVD, CANONSBURG, PA 15317-8592
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJul 4, 2047

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$236,968 (-5.58%) Land $39,000 Building $197,968$236,968 (-5.58%) Land $39,000 Building $197,968
2025$3,945.00 (-21.18%) Homeowner's exemption$250,979 (-3.44%) Land $39,000 Building $211,979$250,979 (-3.44%) Land $39,000 Building $211,979
2023$5,005.00 (+122.64%)$259,916 (+63.9%) Land $38,000 Building $221,916$259,916 (+25.8%) Land $38,000 Building $221,916
2022$2,248.00$158,579$206,608 Land $32,000 Building $174,608

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies8 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 RiskHigh
above 70% of the US · above 52% of Florida
Wildfire Likelihood0.2% annual chance
ExposureNone
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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

ProviderMax 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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