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

Polk County property record for 362 Sand Pine Trl, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,512 sqft · built 1983
Lot Size	0.366 acres (15,947 sqft)
Owner	2 Individual Names on File
Last Sale	$65,000 (Jun 2001)
Tax Bill	$350 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Aug 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-28-26-354720-006120`

Property Details

APN / Parcel Number

Primary APN	`25-28-26-354720-006120`
Alternative APNs	`262825354720006120` `62825000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Living Area
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 1983
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	15,947 sqft (0.366 acres)
Lot Dimensions	139 ft deep x 75 ft wide
View / Lot	Commercial/Industrial
Garage Area	500 sqft
Porch	Florida Room
Porch Area	536 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	362 SAND PINE TRL
City	WINTER HAVEN
State	FL
Zip	33880-1103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LAKE THOMAS ESTATES UNIT 2 PB 60 PG 5 BLOCK 6 LOT 12
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	12
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1000
Census Tract	14703

Owner

362 Sand Pine Trl is owned and occupied by two individuals who acquired it in January 2004.

Source: Polk County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	362 SAND PINE TRL, WINTER HAVEN, FL 33880-1103
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
Mar 8, 2023	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Aug 1, 2022	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
May 1, 2018	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2001 · Amount on File
Deed Sale	Jun 8, 2001 · Amount on File
Deed Book / Page	4720 / 1466
Last Transfer Date	Jan 6, 2004
Transfer Doc	0000054021
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	362 SAND PINE TRL, WINTER HAVEN, FL 33880-1103
Transaction Type	Mortgage
Record Updated	Mar 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054021
Date	Mar 8, 2023
Book Page	12607/1297
Instrument	2023054021

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	362 SAND PINE TRL, WINTER HAVEN, FL 33880-1103
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000208028
Date	Aug 1, 2022
Book Page	12360/1824
Instrument	2022208028

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	362 SAND PINE TRL, WINTER HAVEN, FL 33880-1103
Document Number	0104831274
Instrument Date	May 1, 2018
Transaction Type	Mortgage
Record Updated	Jun 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	362 SAND PINE TRL WINTER HAVEN FL 338801103, WINTER HAVEN, FL 33880-1103

Mortgage

Document Number	0104831274
Date	May 11, 2018
Book Page	010483/001274
Instrument	102222

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	May 10, 2023

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 362 Sand Pine Trl was $350 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		$56,626 (+2.7%)	$202,625 (-1.34%) Land $31,000 Building $171,625
2025	$350.00 Homeowner's exemption	$55,137	$205,385 Land $31,000 Building $174,385
2023	$890.00 (+6.71%) Homeowner's exemption	$52,022 (+3%)	$192,925 (+28.25%) Land $30,000 Building $162,925
2022	$834.00 Homeowner's exemption	$50,507	$150,424 Land $25,000 Building $125,424

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

Flood

FEMA maps place 362 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 362 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.

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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