316 Sand Pine Trl, Winter Haven, FL 33880 Property Records

Polk County property record for 316 Sand Pine Trl, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,424 sqft · built 1983
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on File
Tax Bill	$327 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-26-354710-003090`

Property Details

APN / Parcel Number

Primary APN	`25-28-26-354710-003090`
Alternative APNs	`262825354710003090` `62825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,424 sqft Living Area
Gross Area	1,884 sqft
1st Floor Area	1,424 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 79 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	460 sqft
Porch	Unfinished Open Porch
Porch Area	16 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	316 SAND PINE TRL
City	WINTER HAVEN
State	FL
Zip	33880-1180
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKE THOMAS EST #1 PB 60 PG 4 BLK 3 LOT 9
Legal Range	25E
Legal Township	28S
Legal Section	26
Legal Subdivision	LAKE THOMAS ESTATES UNIT 1
Legal Tract	354710
Legal Block	3
Legal Lot Number	9
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1000
Census Tract	14703

Owner

316 Sand Pine Trl is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	316 SAND PINE TRL, WINTER HAVEN, FL 33880-1180
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 15, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Jul 13, 2026
Property Address	316 SAND PINE TRL, WINTER HAVEN, FL 33880-1180
Document Number	0000165633
Book / Page	14072 / 675
Instrument Date	Jul 6, 2026
Instrument	2026165633
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	ROCKET MORTGAGE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 SAND PINE TRL, WINTER HAVEN, FL 33880-1180

Mortgage

Document Number	0000165633,
Date	Jul 13, 2026
Book Page	14072/675
Instrument	2026165633

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	316 SAND PINE TRL, WINTER HAVEN, FL 33880-1180
Transaction Type	Mortgage
Record Updated	Mar 30, 2022
Title Company	MTI TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069101
Date	Mar 15, 2022
Book Page	12160/2039
Instrument	2022069101

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 316 Sand Pine Trl was $327 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$52,172 (+2.7%)	$227,473 (+0.12%) Land $31,000 Building $196,473
2025	$327.00 Homeowner's exemption	$50,800	$227,200 Land $31,000 Building $196,200
2023	$867.00 (+8.51%) Homeowner's exemption	$47,930 (+3%)	$214,859 (+22.6%) Land $30,000 Building $184,859
2022	$799.00 Homeowner's exemption	$46,534	$175,256 Land $25,000 Building $150,256

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

Flood

FEMA maps place 316 Sand Pine Trl in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	39 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 316 Sand Pine Trl is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 360 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Sand Pine Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures