293 Oleander St, Winter Haven, FL 33881 Property Records

Polk County property record for 293 Oleander St, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,333 sqft · built 2018
Lot Size	0.147 acres (6,386 sqft)
Owner	2 Individual Names on Record
Last Sale	$161,500 (Aug 2018)
Tax Bill	$2,175 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage Dec 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-28-03-522507-000150`

Property Details

APN / Parcel Number

Primary APN	`26-28-03-522507-000150`
Alternative APNs	`032826522507000150` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,333 sqft Living Area
Gross Area	1,732 sqft
1st Floor Area	1,333 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	6,386 sqft (0.147 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	399 sqft
Porch	Unfinished Open Porch
Porch Area	30 sqft

Location & Zoning

Street Address	293 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 15
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	15
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	293 OLEANDER ST, WINTER HAVEN, FL 33881-0727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage HOUSING FIN AGCY
Dec 22, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2018 · Amount on Record
Deed Sale	Aug 14, 2018 · Amount on Record
Prior Sale	Dec 22, 2017 · Amount on Record
Deed Document Number	2018172779
Deed Book / Page	10580 / 1676
Record Updated	Oct 29, 2026

August 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Aug 14, 2018
Property Address	293 OLEANDER ST, WINTER HAVEN, FL 33881-0727
Document Number	0105801676
Book / Page	010580 / 001676
Instrument Date	Aug 10, 2018
Instrument	172779
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 4, 2018
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,130.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	293 OLEANDER ST WINTER HAVEN FL 338810727, WINTER HAVEN, FL 33881-0727

Mortgage

Document Number	105801692
Date	Aug 14, 2018
Book Page	010580/001692
Instrument	172781

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2048

Mortgage

Document Number	105801678,
Date	Aug 14, 2018
Book Page	010580/001678
Instrument	172780

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2048

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 22, 2017
Property Address	293 OLEANDER ST, WINTER HAVEN, FL 33881-0727
Document Number	0103490450
Book / Page	010349 / 000450
Instrument Date	Dec 21, 2017
Instrument	246805
Transaction Type	Transfer
Record Updated	Jan 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,110.00
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

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		$162,185 (+2.7%)	$194,347 (-7.66%) Land $39,000 Building $155,347
2025	$2,175.00 (+6.57%) Homeowner's exemption	$157,921 (+5.99%)	$210,479 (-4.96%) Land $39,000 Building $171,479
2023	$2,041.00 (+3.24%) Homeowner's exemption	$149,000 (+3%)	$221,474 (+10.64%) Land $38,000 Building $183,474
2022	$1,977.00 Homeowner's exemption	$144,660	$200,171 Land $32,000 Building $168,171

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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