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305 Mandolin Ln, Winter Haven, FL 33884 Property Records

Polk County property record for 305 Mandolin Ln, Winter Haven, FL 33884 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,146 sqft · built 2007
Lot Size0.261 acres (11,365 sqft)
Owner2 Individual Names on File
Last Sale$305,000 (Apr 2021)
Deeds & MortgagesJul 2026 Mortgage
Feb 2021 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN26-29-13-687553-000790

Property Details

APN / Parcel Number

Primary APN26-29-13-687553-000790
Alternative APNs
  • 132926687553000790
  • 32926000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,146 sqft Living Area
Gross Area2,586 sqft
1st Floor Area2,146 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area11,365 sqft (0.261 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area440 sqft
PorchFinished/Open Porch
Porch Area290 sqft

Location & Zoning

Street Address305 MANDOLIN LN
CityWINTER HAVEN
StateFL
Zip33884-3579
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMANDOLIN I PB 142 PGS 10-14 LOT 79
Legal Range26E
Legal Township29S
Legal Section13
Legal SubdivisionMANDOLIN 1
Legal Tract687553
Legal Block1
Legal Lot Number79
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1009
Census Tract14006

Owner

Source: Polk County records · APN 26-29-13-687553-000790

Assessment roll updated August 25, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address305 MANDOLIN LN, WINTER HAVEN, FL 33884-3579
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 20, 2026Deed of Trust, Mortgage · VA Mortgage
MORTGAGE MORTGAGE
Feb 24, 2021Deed of Trust, Mortgage · Line of Credit
CITIZENS BANK & TRUST
Apr 28, 2021Warranty Deed, Transfer · VA Mortgage
UNITED WHOLESALE MORTGAGE
Jun 26, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 28, 2021 · Amount on Record
Deed SaleApr 28, 2021 · Amount on Record
Prior SaleJan 02, 2008 · Amount on Record
Deed Document Number2021109635
Deed Book / Page11691 / 44
Prior Transfer DateJun 25, 2019
Prior Transfer Doc0108870263
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Recording DateJul 20, 2026
Property Address305 MANDOLIN LN, WINTER HAVEN, FL 33884-3579
Document Number0000172032
Book / Page14081 / 381
Instrument DateJul 09, 2026
Instrument2026172032
Transaction TypeMortgage
Record UpdatedJul 31, 2026
Title CompanyUNITED WHOLESALE MORTGAGE LL

Transferred To (Grantee/Buyer)

NameVerified Name
Address305 MANDOLIN LN, WINTER HAVEN, FL 33884-3579

Mortgage

Document Number0000172032,
DateJul 20, 2026
Book Page14081/381
Instrument2026172032
Lender
NameMORTGAGE MORTGAGE
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term325 Months
DueAug 01, 2053
Interest
Rate6.52%
Max Rate-1%

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address305 MANDOLIN LN, WINTER HAVEN, FL 33884-3579
Transaction TypeMortgage
Record UpdatedDec 23, 2021
Title CompanyRIDGE SECURITY TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address305 MANDOLIN LN, WINTER HAVEN, FL 33884-3579

Mortgage

Document Number0000047322
DateFeb 24, 2021
Book Page11593/1825
Instrument2021047322
Lender
NameCITIZENS BANK & TRUST
TypeBank
AddressFROSTPROOF, FL 33843
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateApr 28, 2021
Property Address305 MANDOLIN LN, WINTER HAVEN, FL 33884-3579
Document Number0000109635
Book / Page11691 / 44
Map ReferenceMB 142 PG 10
Instrument DateApr 27, 2021
Instrument2021109635
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,135.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2531 PARTRIDGE DR, 2531, WINTER HAVEN, FL 33884-3033

Transferred To (Grantee/Buyer)

NameVerified Name
Address305 MANDOLIN LN, WINTER HAVEN, FL 33884-3579

Mortgage

Document Number0001169146
DateApr 28, 2021
Instrument11691/46
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2051

June 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateJun 26, 2019
Property Address305 MANDOLIN LN, WINTER HAVEN, FL 33884-3579
Document Number0108870263
Book / Page010887 / 000263
Instrument DateJun 25, 2019
Instrument132709
Transaction TypeTransfer
Record UpdatedJul 09, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address305 MANDOLIN LN WINTER HAVEN FL 338843579, WINTER HAVEN, FL 33884-3579

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated August 25, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025Homeowner's exemption Veteran's exemption$286,402 (+2.91%) Land $62,000 Building $224,402$286,402 (-3.93%) Land $62,000 Building $224,402
2023Homeowner's exemption$278,308$298,112 Land $60,000 Building $238,112

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050140061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 13 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies13 in force
Nearby Flood Claims5 (2004–2022)
Claims Outside the SFHA4 of 5
Most Recent ClaimSep 2022, rainfall accumulation, Hurricane Ian

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 454 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber5,000 / 5,000
SpectrumCable1,000 / 35
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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