Polk County property record for 4970 Mandolin Ct, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,749 sqft · built 2015 |
| Lot Size | 0.396 acres (17,267 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $375,000 (Jan 2024) |
| Tax Bill | $5,442 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Oct 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-13-687555-000500 |
| Primary APN | 26-29-13-687555-000500 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,749 sqft Living Area |
| Gross Area | 2,259 sqft |
| 1st Floor Area | 1,749 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 17,267 sqft (0.396 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Porch | Florida Room |
| Porch Area | 220 sqft |
| Street Address | 4970 MANDOLIN CT |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MANDOLIN II PB 144 PG 50-51 LOT 50 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 13 |
| Legal Subdivision | MANDOLIN II |
| Legal Tract | 687555 |
| Legal Block | 1 |
| Legal Lot Number | 50 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 14006 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3450 SHERRY AVE, WINTER HAVEN, FL 33881-1004 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 18, 2024 | Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK |
| Oct 24, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 29, 2021 | Warranty Deed, Transfer SMART TITLE II LLC |
| Aug 9, 2021 | Warranty Deed, Transfer ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO |
| Dec 27, 2019 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 18, 2024 · Amount on Record |
| Deed Sale | Jan 18, 2024 · Amount on Record |
| Prior Sale | Oct 29, 2021 · Amount on Record |
| Deed Document Number | 202413625 |
| Deed Book / Page | 12977 / 195 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 18, 2024 |
| Property Address | 4970 MANDOLIN CT, WINTER HAVEN, FL 33884-3628 |
| Document Number | 0000013625 |
| Book / Page | 12977 / 195 |
| Map Reference | MB 144 PG 50&51 |
| Instrument Date | Jan 16, 2024 |
| Instrument | 2024013625 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2024 |
| Title Company | SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3051 S ATLANTIC AVE APT 1705, 1705, DAYTONA BEACH SHORES, FL 32118-6140 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4970 MANDOLIN CT, WINTER HAVEN, FL 33884-3628 |
| Document Number | 0012977197 |
|---|---|
| Date | Jan 18, 2024 |
| Instrument | 12977/197 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4970 MANDOLIN CT, WINTER HAVEN, FL 33884-3628 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3051 S ATLANTIC AVE 1705, 1705, DAYTONA BEACH, FL 32118-6140 |
| Document Number | 0000252515 |
|---|---|
| Date | Oct 24, 2023 |
| Book Page | 12886/561 |
| Instrument | 2023252515 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 29, 2021 |
| Property Address | 4970 MANDOLIN CT, WINTER HAVEN, FL 33884-3628 |
| Document Number | 0000282984 |
| Book / Page | 11960 / 143 |
| Map Reference | MB 144 PG 50&51 |
| Instrument Date | Oct 20, 2021 |
| Instrument | 2021282984 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | SMART TITLE II LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,037.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4343 N SCOTTSDALE RD STE 390, 4343, SCOTTSDALE, AZ 85251-3347 |
| Name | Verified Name |
|---|---|
| Address | 4970 MANDOLIN CT, WINTER HAVEN, FL 33884-3628 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 9, 2021 |
| Property Address | 4970 MANDOLIN CT, WINTER HAVEN, FL 33884-3628 |
| Document Number | 0000206334 |
| Book / Page | 11839 / 963 |
| Map Reference | MB 144 PG 50&51 |
| Instrument Date | Aug 4, 2021 |
| Instrument | 2021206334 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,996.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4970 MANDOLIN CT, 4970, WINTER HAVEN, FL 33884-3628 |
| Name | Verified Name |
|---|---|
| Address | 4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347 |
| Investor | Possibly a Property Investor |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4970 MANDOLIN CT, WINTER HAVEN, FL 33884-3628 |
| Document Number | 0111221153 |
| Instrument Date | Dec 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4970 MANDOLIN CT WINTER HAVEN FL 338843628, WINTER HAVEN, FL 33884-3628 |
| Document Number | 0111221153 |
|---|---|
| Date | Jan 29, 2020 |
| Book Page | 011122/001153 |
| Instrument | 21391 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 28, 2050 |
| Rate | 3.75% |
|---|
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 | $279,171 (-2.41%) Land $60,000 Building $219,171 | $279,171 (-2.41%) Land $60,000 Building $219,171 | |
| 2025 | $5,442.00 (+3.82%) | $286,079 (+1.38%) Land $60,000 Building $226,079 | $286,079 (+1.38%) Land $60,000 Building $226,079 |
| 2024 | $5,242.00 (-2.18%) | ||
| 2023 | $5,359.00 | $282,196 Land $58,000 Building $224,196 | $282,196 Land $58,000 Building $224,196 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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 | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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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