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

Polk County property record for 332 Sand Pine Trl, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,085 sqft · built 1983
Lot Size	0.23 acres (10,006 sqft)
Owner	2 Individual Names on File
Last Sale	$238,000 (Jul 2025)
Tax Bill	$2,480 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`25-28-26-354710-003170`

Property Details

APN / Parcel Number

Primary APN	`25-28-26-354710-003170`
Alternative APNs	`262825354710003170` `62825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,085 sqft Living Area
Gross Area	1,545 sqft
1st Floor Area	1,085 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

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	10,006 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	60 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	332 SAND PINE TRL
City	WINTER HAVEN
State	FL
Zip	33880-1133
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 3 LOT 17
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	17
Legal Unit	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1000
Census Tract	14703

Owner

332 Sand Pine Trl is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	332 SAND PINE TRL, WINTER HAVEN, FL 33880-1133
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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
Aug 17, 2022	Warranty Deed, Transfer · Conventional Mortgage A&D MORTGAGE LLC
Sep 21, 2019	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2025 · Amount on File
Deed Sale	Jul 3, 2025 · Amount on File
Prior Sale	Aug 17, 2022 · Amount on File
Deed Document Number	2025155437
Deed Book / Page	13610 / 1122
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 17, 2022
Property Address	332 SAND PINE TRL, WINTER HAVEN, FL 33880-1133
Document Number	0000223312
Book / Page	12382 / 900
Map Reference	MB 60 PG 4
Instrument Date	Aug 10, 2022
Instrument	2022223312
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,638.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13250 SW PEMBROKE CIR N, 13250, LAKE SUZY, FL 34269-6911

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 EYLAND AVE, SUCCASUNNA, NJ 07876-1628

Mortgage

Document Number	0000223313
Date	Aug 17, 2022
Book Page	12382/902
Instrument	2022223313

Lender

Name	A&D MORTGAGE LLC
Type	Mortgage Company
Address	HOLLYWOOD, FL 33020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	332 SAND PINE TRL, WINTER HAVEN, FL 33880-1133
Document Number	0109912006
Instrument Date	Sep 21, 2019
Transaction Type	Mortgage
Record Updated	Oct 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 SAND PINE TRL WINTER HAVEN FL 338801133, WINTER HAVEN, FL 33880-1133

Mortgage

Document Number	0109912006
Date	Oct 1, 2019
Book Page	010991/002006
Instrument	208079

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 30, 2024

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 332 Sand Pine Trl was $2,480.

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		$192,247 (+0.22%) Land $31,000 Building $161,247	$192,247 (+0.22%) Land $31,000 Building $161,247
2025	$2,480.00	$191,822 Land $31,000 Building $160,822	$191,822 Land $31,000 Building $160,822
2023	$2,926.00 (+258.58%)	$181,043 (+270.13%) Land $30,000 Building $151,043	$181,043 (+24.19%) Land $30,000 Building $151,043
2022	$816.00 Homeowner's exemption	$48,914	$145,781 Land $25,000 Building $120,781

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 332 Sand Pine Trl in Zone X, an area of minimal flood risk.

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
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 332 Sand Pine Trl is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach

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