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

Polk County property record for 346 Sand Pine Trl, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,012 sqft · built 1983
Lot Size	0.409 acres (17,833 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Mar 2025)
Tax Bill	$2,553 (2025)
Deeds & Mortgages	Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-26-354720-006040`

Property Details

APN / Parcel Number

Primary APN	`25-28-26-354720-006040`
Alternative APNs	`262825354720006040` `62825000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,012 sqft Living Area
Gross Area	1,512 sqft
1st Floor Area	1,012 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2008
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	17,833 sqft (0.409 acres)
Lot Dimensions	150 ft deep x 79 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	500 sqft
Porch	Unfinished Open Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	346 SAND PINE TRL
City	WINTER HAVEN
State	FL
Zip	33880-1102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKE THOMAS ESTATES UNIT 2 PB 60 PG 5 BLOCK 6 LOT 4
Legal Range	25E
Legal Township	28S
Legal Section	26
Legal Subdivision	LAKE THOMAS ESTATES UNIT 2
Legal Tract	354720
Legal Block	6
Legal Lot Number	4
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1000
Census Tract	14703

Owner

346 Sand Pine Trl is owned by an individual who bought it in March 2025.

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

Owner of Record	Individual Name on File
Mailing Address	2967 PADDINGTON DR, TALLAHASSEE, FL 32309-6870
Owner Type	Individual
Vesting	Single Man

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2025 · Amount on File
Deed Sale	Mar 27, 2025 · Amount on File
Prior Sale	Feb 2, 2017 · Amount on File
Deed Document Number	202568601
Deed Book / Page	13482 / 1175
Record Updated	Oct 29, 2026

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 2, 2017
Property Address	346 SAND PINE TRL, WINTER HAVEN, FL 33880-1102
Document Number	0100541735
Book / Page	010054 / 001735
Instrument Date	Jan 27, 2017
Instrument	21315
Transaction Type	Transfer
Record Updated	Jul 5, 2017
Title Company	EXECUTIVE TITLE

Transaction

Amount	Amount on Record
Tax	$770.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	346 SAND PINE TRL WINTER HAVEN FL 338801102, WINTER HAVEN, FL 33880-1102

Mortgage

Document Number	100541736
Date	Feb 2, 2017
Book Page	010054/001736
Instrument	21316

Lender

Name	HOMEOWNERS FIN'L GRP USA
Type	Funding / Finance Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Mortgage

Document Number	100541736,
Date	Feb 2, 2017
Book Page	010054/001736
Instrument	1316

Lender

Name	HOMEOWNERS FIN'L GRP USA
Type	Funding / Finance Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 346 Sand Pine Trl was $2,553.

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		$194,850 (+0.11%) Land $31,000 Building $163,850	$194,850 (-3.39%) Land $31,000 Building $163,850
2025	$2,553.00	$194,635	$201,690 Land $31,000 Building $170,690
2023	$2,851.00 (+13.22%)	$190,388 (+22.81%) Land $30,000 Building $160,388	$190,388 (+22.81%) Land $30,000 Building $160,388
2022	$2,518.00	$155,022 Land $25,000 Building $130,022	$155,022 Land $25,000 Building $130,022

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

Flood

FEMA maps place 346 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 346 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.

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