Polk County property record for 4981 Mandolin Ct, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,269 sqft · built 2007 |
| Lot Size | 0.207 acres (9,004 sqft) |
| Owner | Individual Name on File |
| Last Sale | $242,000 (Mar 2026) |
| Tax Bill | $4,032 (2025) |
| Deeds & Mortgages | Mortgage Mar 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-13-687555-000390 |
| Primary APN | 26-29-13-687555-000390 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,269 sqft Living Area |
| Gross Area | 1,669 sqft |
| 1st Floor Area | 1,269 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 9,004 sqft (0.207 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 151 sqft |
| Street Address | 4981 MANDOLIN CT |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | *DEED APPEARS IN ERROR* MANDOLIN II PB 144 PG 50-51 LOT 39 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 13 |
| Legal Subdivision | MANDOLIN II |
| Legal Tract | 687555 |
| Legal Block | 1 |
| Legal Lot Number | 39 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 14006 |
4981 Mandolin Ct is owned and occupied by an individual who bought it in March 2026.
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 | Individual Name on File |
|---|---|
| Mailing Address | 4981 MANDOLIN CT, WINTER HAVEN, FL 33884-3630 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Deed of Trust, Mortgage | |
| Mar 23, 2026 | Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 20, 2022 | Intrafamily Transfer, Transfer |
| Nov 25, 2019 | Warranty Deed, Transfer · Conventional Mortgage PEOPLE'S INTERMOUNTAIN BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 23, 2026 · Amount on File |
| Deed Sale | Mar 23, 2026 · Amount on File |
| Prior Sale | Nov 25, 2019 · Amount on File |
| Deed Document Number | 202667844 |
| Deed Book / Page | 13926 / 1325 |
| Prior Transfer Date | Sep 26, 2022 |
| Prior Transfer Doc | 0000277452 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4981 MANDOLIN CT, WINTER HAVEN, FL 33884-3630 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 125 F MAIN ST #205 205, 205, AMERICAN FORK, UT 84003 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 23, 2026 |
| Property Address | 4981 MANDOLIN CT, WINTER HAVEN, FL 33884-3630 |
| Document Number | 0000067844 |
| Book / Page | 13926 / 1325 |
| Map Reference | MB 144 PG 50 |
| Instrument Date | Mar 13, 2026 |
| Instrument | 2026067844 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2026 |
| Title Company | HAVEN TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,694.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 394 E 170 S, LINDON, UT 84042-2005 |
| Name | Verified Name |
|---|---|
| Address | 4981 MANDOLIN CT, WINTER HAVEN, FL 33884-3630 |
| Document Number | 0139261328 |
|---|---|
| Date | Mar 23, 2026 |
| Instrument | 13926/1328 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Jul 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 5.5% |
| Index | 1-Year T-Bill |
| Max Rate | 5% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 20, 2022 |
| Property Address | 4981 MANDOLIN CT, WINTER HAVEN, FL 33884-3630 |
| Document Number | 0000277452 |
| Book / Page | 12456 / 1503 |
| Map Reference | MB 144 PG 50 |
| Instrument Date | Sep 26, 2022 |
| Instrument | 2022277452 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4465 W 9980 N, 4465, CEDAR HILLS, UT 84062-8923 |
| Name | Verified Name |
|---|---|
| Address | 1392 W TURF FARM WAY # 316, 316, PAYSON, UT 84651-5587 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 25, 2019 |
| Property Address | 4981 MANDOLIN CT, WINTER HAVEN, FL 33884-3630 |
| Document Number | 0110540004 |
| Book / Page | 011054 / 000004 |
| Instrument Date | Nov 15, 2019 |
| Instrument | 251000 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2019 |
| Title Company | HAVEN TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,225.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4465 W 9980 N CEDAR HILLS UT 840628923, CEDAR HILLS, UT 84062-8923 |
| Document Number | 110540006 |
|---|---|
| Date | Nov 25, 2019 |
| Book Page | 011054/000006 |
| Instrument | 251001 |
| Name | PEOPLE'S INTERMOUNTAIN BK |
|---|---|
| Address | AMERICAN FORK, UT 84003 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 24, 2049 |
The 2025 property tax bill for 4981 Mandolin Ct was $4,032, up 1.6% from the year before.
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 | $207,358 (-2.17%) Land $44,000 Building $163,358 | $207,358 (-2.17%) Land $44,000 Building $163,358 | |
| 2025 | $4,032.00 (+1.64%) | $211,959 Land $44,000 Building $167,959 | $211,959 Land $44,000 Building $167,959 |
| 2024 | $3,967.00 (-3.39%) | ||
| 2023 | $4,106.00 (+27.63%) | $213,236 (+13.81%) Land $42,000 Building $171,236 | $213,236 (+13.81%) Land $42,000 Building $171,236 |
| 2022 | $3,217.00 | $187,364 Land $35,000 Building $152,364 | $187,364 Land $35,000 Building $152,364 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4981 Mandolin Ct 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 4981 Mandolin Ct is low, with a 0.07% 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 | 0.07% 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures