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

Polk County property record for 319 Sand Pine Trl, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,490 sqft · built 1980
Lot Size	0.276 acres (12,027 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,177 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Sep 2020 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-26-354710-005080`

Property Details

APN / Parcel Number

Primary APN	`25-28-26-354710-005080`
Alternative APNs	`262825354710005080` `62825000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,490 sqft Living Area
Gross Area	1,840 sqft
1st Floor Area	1,202 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	12,027 sqft (0.276 acres)
Lot Dimensions	143 ft deep x 85 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	350 sqft
Porch	Florida Room
Porch Area	333 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	319 SAND PINE TRL
City	WINTER HAVEN
State	FL
Zip	33880-7129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKE THOMAS ESTATES UNIT 1 PB 60 PG 4 BLK 5 LOT 8
Legal Range	25E
Legal Township	28S
Legal Section	26
Legal Subdivision	LAKE THOMAS ESTATES UNIT 1
Legal Tract	354710
Legal Block	5
Legal Lot Number	8
Legal Unit	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1010
Census Tract	14703

Owner

319 Sand Pine Trl is owned and occupied by two individuals who acquired it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	319 SAND PINE TRL, WINTER HAVEN, FL 33880-7129
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
Feb 11, 2022	Intrafamily Transfer, Transfer · VA Mortgage STRONG HOME MORTGAGE LLC
Sep 24, 2020	Loan Modification, Mortgage · Conventional with PMI QUICKEN LNS
Sep 9, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Nov 20, 2017	Quit Claim Deed, Transfer · VA Mortgage GUARANTEED RATE AFFINITY LLC
Feb 22, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2022
Deed Sale	Feb 11, 2022
Prior Sale	Nov 20, 2017 · Amount on File
Deed Document Number	202239176
Deed Book / Page	12114 / 1396
Prior Transfer Date	Jan 31, 2022
Prior Transfer Doc	0000039176
Record Updated	Oct 29, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Feb 11, 2022
Property Address	319 SAND PINE TRL, WINTER HAVEN, FL 33880-7129
Document Number	0000039176
Book / Page	12114 / 1396
Map Reference	MB 60 PG 4
Instrument Date	Jan 31, 2022
Instrument	2022039176
Transaction Type	Transfer
Record Updated	Mar 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 SAND PINE TRL, WINTER HAVEN, FL 33880-7129

Mortgage

Document Number	0121141398
Date	Feb 11, 2022
Instrument	12114/1398

Lender

Name	STRONG HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	319 SAND PINE TRL, WINTER HAVEN, FL 33880-7129
Document Number	0114520931
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Nov 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	319 SAND PINE TRL WINTER HAVEN FL 338807129, WINTER HAVEN, FL 33880-7129

Mortgage

Document Number	0114520931
Date	Nov 12, 2020
Book Page	011452/000931
Instrument	241913

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2050

Interest

Rate	3.25%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	319 SAND PINE TRL, WINTER HAVEN, FL 33880-7129
Document Number	0109731849
Instrument Date	Sep 9, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	319 SAND PINE TRL WINTER HAVEN FL 338807129, WINTER HAVEN, FL 33880-7129

Mortgage

Document Number	0109731849
Date	Sep 16, 2019
Book Page	010973/001849
Instrument	195018

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 15, 2049

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Nov 20, 2017
Property Address	319 SAND PINE TRL, WINTER HAVEN, FL 33880-7129
Document Number	0103182148
Book / Page	010318 / 002148
Instrument Date	Nov 10, 2017
Instrument	222342
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount on Record
Tax	$415.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	319 SAND PINE TRL WINTER HAVEN FL 338807129, WINTER HAVEN, FL 33880-7129

Mortgage

Document Number	103182149
Date	Nov 20, 2017
Book Page	010318/002149
Instrument	222343

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	1800 W LARCHMONT AVE, CHICAGO, IL 60613-2448

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2047

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Feb 22, 2017
Property Address	319 SAND PINE TRL, WINTER HAVEN, FL 33880-7129
Document Number	0100721688
Book / Page	010072 / 001688
Instrument Date	Feb 22, 2017
Instrument	35126
Transaction Type	Transfer
Record Updated	Jun 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	319 SAID PINE TRL WINTER HAVEN FL 33880, WINTER HAVEN, FL 33880

Tax Assessment & Valuation

The 2025 property tax bill for 319 Sand Pine Trl was $1,177 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		$134,777 (+2.7%)	$220,466 (+0.43%) Land $31,000 Building $189,466
2025	$1,177.00 Homeowner's exemption	$131,234	$219,530 Land $31,000 Building $188,530
2023	$1,722.00 (+5.26%) Homeowner's exemption	$123,820 (+3%)	$204,657 (+26.29%) Land $30,000 Building $174,657
2022	$1,636.00 Homeowner's exemption	$120,214	$162,058 Land $25,000 Building $137,058

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

Flood

FEMA maps place 319 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 319 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CENTRAL serves 13,595 people · EPA ID FL6534609
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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. The service area is an EPA estimate; the actual supplier may differ.

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.

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