Polk County property record for 354 Mandolin Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,916 sqft · built 2012 |
| Lot Size | 0.264 acres (11,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Sep 2012) |
| Tax Bill | $2,317 (2025) |
| Deeds & Mortgages | Dec 2019 Mortgage Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-13-687553-001030 |
| Primary APN | 26-29-13-687553-001030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,916 sqft Living Area |
| Gross Area | 2,316 sqft |
| 1st Floor Area | 1,692 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 11,500 sqft (0.264 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Florida Room |
| Porch Area | 244 sqft |
| Shed | 1 Shed |
| Street Address | 354 MANDOLIN LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3578 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MANDOLIN I PB 142 PGS 10-14 LOT 103 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 13 |
| Legal Subdivision | MANDOLIN 1 |
| Legal Tract | 687553 |
| Legal Block | 1 |
| Legal Lot Number | 103 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 14006 |
354 Mandolin Ln is owned and occupied by an individual who bought it in September 2012.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 354 MANDOLIN LN, WINTER HAVEN, FL 33884-3578 |
| 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.
| Date | Document |
|---|---|
| Dec 20, 2019 | Deed of Trust, Mortgage · FHA Mortgage MR COOPER |
| Feb 19, 2019 | Deed of Trust, Mortgage · FHA Mortgage LOWER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 10, 2012 · Amount on File |
| Deed Sale | Sep 10, 2012 · Amount on File |
| Deed Document Number | 2012160363 |
| Deed Book / Page | 8743 / 1634 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 354 MANDOLIN LN, WINTER HAVEN, FL 33884-3578 |
| Document Number | 0110952230 |
| Instrument Date | Dec 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 354 MANDOLIN LN WINTER HAVEN FL 338843578, WINTER HAVEN, FL 33884-3578 |
| Document Number | 0110952230 |
|---|---|
| Date | Jan 3, 2020 |
| Book Page | 011095/002230 |
| Instrument | 1548 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 2, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 354 MANDOLIN LN, WINTER HAVEN, FL 33884-3578 |
| Document Number | 0107600509 |
| Instrument Date | Feb 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2019 |
| Title Company | WORLDWIDE RECORDING INC |
| Name | Verified Name |
|---|---|
| Address | 354 MANDOLIN LN WINTER HAVEN FL 338843578, WINTER HAVEN, FL 33884-3578 |
| Document Number | 0107600509 |
|---|---|
| Date | Feb 26, 2019 |
| Book Page | 010760/000509 |
| Instrument | 37931 |
| Name | LOWER |
|---|---|
| Address | COLUMBIA, MD 21044 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 25, 2034 |
The 2025 property tax bill for 354 Mandolin Ln was $2,317 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $169,876 (+2.7%) | $248,114 (-1.76%) Land $62,000 Building $186,114 | |
| 2025 | $2,317.00 Homeowner's exemption | $165,410 | $252,551 Land $62,000 Building $190,551 |
| 2023 | $2,177.00 (+3.13%) Homeowner's exemption | $156,066 (+3%) | $261,492 (+11.45%) Land $60,000 Building $201,492 |
| 2022 | $2,111.00 Homeowner's exemption | $151,520 | $234,618 Land $50,000 Building $184,618 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 354 Mandolin Ln 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 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 risk around 354 Mandolin Ln is low, with a 0.03% annual chance of 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.
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 |
| 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.
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 |
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