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

Polk County property record for 351 Sand Pine Trl, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,428 sqft · built 1980
Lot Size	0.265 acres (11,552 sqft)
Owner	2 Individual Names on File
Last Sale	$103,000 (Feb 2016)
Tax Bill	$728 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-26-354720-007110`

Property Details

APN / Parcel Number

Primary APN	`25-28-26-354720-007110`
Alternative APNs	`262825354720007110` `62825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,428 sqft Living Area
1st Floor Area	1,200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	11,552 sqft (0.265 acres)
Lot Dimensions	118 ft deep x 94 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	228 sqft
Porch	Florida Room
Porch Area	256 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	351 SAND PINE TRL
City	WINTER HAVEN
State	FL
Zip	33880-1101
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 7 LOT 11
Legal Range	25E
Legal Township	28S
Legal Section	26
Legal Subdivision	LAKE THOMAS ESTATES UNIT 2
Legal Tract	354720
Legal Block	7
Legal Lot Number	11
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1008
Census Tract	14703

Owner

351 Sand Pine Trl is owned and occupied by two individuals who bought it in February 2016.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	351 SAND PINE TRL, WINTER HAVEN, FL 33880-1101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 22, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Feb 9, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2016 · Amount on File
Deed Sale	Feb 5, 2016 · Amount on File
Prior Sale	Oct 2, 2007 · Amount on File
Deed Document Number	201621073
Deed Book / Page	9738 / 1657
Prior Transfer Date	Feb 21, 2013
Prior Transfer Doc	0000062974
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	351 SAND PINE TRL, WINTER HAVEN, FL 33880-1101
Transaction Type	Mortgage
Record Updated	May 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000103711
Date	Apr 23, 2021
Book Page	11681/1884
Instrument	2021103711

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	351 SAND PINE TRL, WINTER HAVEN, FL 33880-1101
Document Number	0111591498
Instrument Date	Feb 22, 2020
Transaction Type	Mortgage
Record Updated	Mar 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	351 SAND PINE TRL WINTER HAVEN FL 338801101, WINTER HAVEN, FL 33880-1101

Mortgage

Document Number	0111591498
Date	Mar 2, 2020
Book Page	011159/001498
Instrument	47898

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	351 SAND PINE TRL, WINTER HAVEN, FL 33880-1101
Document Number	0104000032
Instrument Date	Feb 9, 2018
Transaction Type	Mortgage
Record Updated	Mar 5, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	351 SAND PINE TRL WINTER HAVEN FL 338801101, WINTER HAVEN, FL 33880-1101

Mortgage

Document Number	0104000032
Date	Feb 19, 2018
Book Page	010400/000032
Instrument	36821

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 18, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 351 Sand Pine Trl was $728 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		$99,139 (+2.7%)	$185,207 (-1.89%) Land $31,000 Building $154,207
2025	$728.00 Homeowner's exemption	$96,533	$188,776 Land $31,000 Building $157,776
2023	$1,240.00 (+6.8%) Homeowner's exemption	$91,080 (+3%)	$176,803 (+22.89%) Land $30,000 Building $146,803
2022	$1,161.00 Homeowner's exemption	$88,427	$143,870 Land $25,000 Building $118,870

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

Flood

FEMA maps place 351 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 351 Sand Pine Trl is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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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