281 Oleander St, Winter Haven, FL 33881 Property Records

Polk County property record for 281 Oleander St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,682 sqft · built 2018
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$187,400 (May 2018)
Tax Bill	$4,598 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-03-522507-000130`

Property Details

APN / Parcel Number

Primary APN	`26-28-03-522507-000130`
Alternative APNs	`032826522507000130` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,682 sqft Living Area
Gross Area	2,123 sqft
1st Floor Area	1,682 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	441 sqft
Porch	Unfinished Open Porch
Porch Area	25 sqft

Location & Zoning

Street Address	281 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 13
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	13
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2028
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	2 Individual Names on Record
Mailing Address	281 OLEANDER ST, WINTER HAVEN, FL 33881-0727
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 30, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 16, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage NVR MTG FIN
Feb 16, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2018 · Amount on Record
Deed Sale	May 16, 2018 · Amount on Record
Prior Sale	Feb 16, 2018 · Amount on Record
Deed Document Number	2018105020
Deed Book / Page	10487 / 761
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	281 OLEANDER ST, WINTER HAVEN, FL 33881-0727
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 OLEANDER ST, WINTER HAVEN, FL 33881-0727

Mortgage

Document Number	0000224028
Date	Sep 24, 2025
Book Page	13710/191
Instrument	2025224028

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Oct 1, 2065

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	281 OLEANDER ST, WINTER HAVEN, FL 33881-0727
Transaction Type	Mortgage
Record Updated	Sep 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 OLEANDER ST, WINTER HAVEN, FL 33881-0727

Mortgage

Document Number	0000236016
Date	Aug 30, 2022
Book Page	12399/1184
Instrument	2022236016

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Aug 1, 2062

May 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	May 16, 2018
Property Address	281 OLEANDER ST, WINTER HAVEN, FL 33881-0727
Document Number	0104870761
Book / Page	010487 / 000761
Instrument Date	May 14, 2018
Instrument	105020
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 12, 2018
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,311.80
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	281 OLEANDER ST WINTER HAVEN FL 338810727, WINTER HAVEN, FL 33881-0727

Mortgage

Document Number	104870763
Date	May 16, 2018
Book Page	010487/000763
Instrument	105021

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2048

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Feb 16, 2018
Property Address	281 OLEANDER ST, WINTER HAVEN, FL 33881-0727
Document Number	0103982162
Book / Page	010398 / 002162
Instrument Date	Feb 14, 2018
Instrument	35876
Transaction Type	Transfer
Record Updated	Feb 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$294.00
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		$222,599 (-7.91%) Land $39,000 Building $183,599	$222,599 (-7.91%) Land $39,000 Building $183,599
2025	$4,598.00 (+9.84%)	$241,711 (-5.21%) Land $39,000 Building $202,711	$241,711 (-5.21%) Land $39,000 Building $202,711
2023	$4,186.00 (+8.95%)	$255,000 (+10.14%) Land $38,000 Building $217,000	$255,000 (+10.14%) Land $38,000 Building $217,000
2022	$3,842.00	$231,526 Land $32,000 Building $199,526	$231,526 Land $32,000 Building $199,526

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 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

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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