323 Mandolin Ln, Winter Haven, FL 33884 Property Records

Polk County property record for 323 Mandolin Ln, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,647 sqft · built 2008
Lot Size	0.311 acres (13,538 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Aug 2019)
Tax Bill	$3,853 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-13-687553-000980`

Property Details

APN / Parcel Number

Primary APN	`26-29-13-687553-000980`
Alternative APNs	`132926687553000980` `32926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,647 sqft Living Area
Gross Area	3,067 sqft
1st Floor Area	2,647 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	13,538 sqft (0.311 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Screened/Unfinished Porch
Porch Area	311 sqft

Location & Zoning

Street Address	323 MANDOLIN LN
City	WINTER HAVEN
State	FL
Zip	33884-3579
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MANDOLIN I PB 142 PGS 10-14 LOT 98
Legal Range	26E
Legal Township	29S
Legal Section	13
Legal Subdivision	MANDOLIN 1
Legal Tract	687553
Legal Block	1
Legal Lot Number	98
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1009
Census Tract	14006

Owner

Source: Polk County records, as of June 23, 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	323 MANDOLIN LN, WINTER HAVEN, FL 33884-3579
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2019 · Amount on Record
Deed Sale	Aug 2, 2019 · Amount on Record
Prior Sale	Apr 8, 2015 · Amount on Record
Deed Document Number	2019162615
Deed Book / Page	10928 / 1302
Record Updated	Sep 20, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 2, 2019
Property Address	323 MANDOLIN LN, WINTER HAVEN, FL 33884-3579
Document Number	0109281302
Book / Page	010928 / 001302
Instrument Date	Jul 26, 2019
Instrument	162615
Transaction Type	Transfer
Record Updated	Aug 19, 2019
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	323 MANDOLIN LN WINTER HAVEN FL 338843579, WINTER HAVEN, FL 33884-3579

Mortgage

Document Number	109281303
Date	Aug 2, 2019
Book Page	010928/001303
Instrument	162616

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$3,853.00 (+5.74%) Homeowner's exemption	$246,145 (+5.99%)	$339,146 (-4.31%) Land $62,000 Building $277,146
2023	$3,644.00 (+2.71%) Homeowner's exemption	$232,241 (+3%)	$354,416 (+7.82%) Land $60,000 Building $294,416
2022	$3,548.00 Homeowner's exemption	$225,477	$328,700 Land $50,000 Building $278,700

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	5 (2004–2022)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2022 · Hurricane Ian

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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% 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 454 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20