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

Polk County property record for 354 Sand Pine Trl, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,670 sqft · built 1983
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on File
Last Sale	$54,000 (Apr 2011)
Tax Bill	$285 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-26-354720-006080`

Property Details

APN / Parcel Number

Primary APN	`25-28-26-354720-006080`
Alternative APNs	`262825354720006080` `62825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,670 sqft Living Area
1st Floor Area	1,670 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	10,001 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
View / Lot	Commercial/Industrial

Exterior Amenities

Pool Area	450 sqft
Porch	Screened/Unfinished Porch
Porch Area	56 sqft
Patio Area	120 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	354 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 8
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	8
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1000
Census Tract	14703

Owner

354 Sand Pine Trl is owned and occupied by an individual who bought it in April 2011.

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

Owner of Record	Individual Name on File
Mailing Address	354 SAND PINE TRL, WINTER HAVEN, FL 33880-1102
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Aug 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU
May 7, 2019	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER
May 7, 2019	Deed of Trust, Mortgage · FHA Mortgage LONGBRIDGE FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2011 · Amount on File
Deed Sale	Apr 20, 2011 · Amount on File
Prior Sale	May 12, 2010
Deed Document Number	201167313
Deed Book / Page	8370 / 928
Prior Transfer Date	May 11, 2010
Prior Transfer Doc	0000076061
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	354 SAND PINE TRL, WINTER HAVEN, FL 33880-1102
Transaction Type	Mortgage
Record Updated	Jul 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 SAND PINE TRL, JPV, FL 33880-1102

Mortgage

Document Number	0000179905
Date	Jul 13, 2021
Book Page	11798/1046
Instrument	2021179905

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2031

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	354 SAND PINE TRL, WINTER HAVEN, FL 33880-1102
Document Number	0114191172
Instrument Date	Aug 3, 2020
Transaction Type	Mortgage
Record Updated	Nov 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 SAND PINE TRL WINTER HAVEN FL 338801102, WINTER HAVEN, FL 33880-1102

Mortgage

Document Number	0114191172
Date	Oct 19, 2020
Book Page	011419/001172
Instrument	221007

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 18, 2035

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	354 SAND PINE TRL, WINTER HAVEN, FL 33880-1102
Document Number	0108420041
Instrument Date	May 7, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	354 SAND PINE TRL WINTER HAVEN FL 338801102, WINTER HAVEN, FL 33880-1102

Mortgage

Document Number	0108420041
Date	May 15, 2019
Book Page	010842/000041
Instrument	99688

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1044 Months

Interest

Rate Type	Adjustable Rate
Rate	4.62%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	354 SAND PINE TRL, WINTER HAVEN, FL 33880-1102
Document Number	0108420025
Instrument Date	May 7, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 SAND PINE TRL WINTER HAVEN FL 338801102, WINTER HAVEN, FL 33880-1102

Mortgage

Document Number	0108420025
Date	May 15, 2019
Book Page	010842/000025
Instrument	99687

Lender

Name	LONGBRIDGE FIN'L
Address	MAHWAH, NJ 07495

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1044 Months

Interest

Rate Type	Adjustable Rate
Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 354 Sand Pine Trl was $285 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		$69,157 (+2.7%)	$239,123 (+5.49%) Land $31,000 Building $208,123
2025	$285.00 Homeowner's exemption	$67,339	$226,683 Land $31,000 Building $195,683
2023	$821.00 (-6.39%) Homeowner's exemption	$63,535 (+4.65%)	$215,694 (+19.16%) Land $30,000 Building $185,694
2022	$877.00 Homeowner's exemption	$60,714	$181,013 Land $25,000 Building $156,013

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

Flood

FEMA maps place 354 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 354 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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