620 Oleander Dr SE, Winter Haven, FL 33880 Property Records

Polk County property record for 620 Oleander Dr SE, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,404 sqft · built 1965
Lot Size	0.255 acres (11,099 sqft)
Owner	Individual Name on File
Last Sale	$171,000 (Jun 2025)
Tax Bill	$1,612 (2023)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-654100-000180`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-654100-000180`
Alternative APNs	`332826654100000180` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,404 sqft Living Area
Gross Area	1,200 sqft
1st Floor Area	1,200 sqft
Flooring	Tile
Interior Walls	Wood

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	11,099 sqft (0.255 acres)
Lot Dimensions	139 ft deep x 80 ft wide
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	144 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	568 sqft

Location & Zoning

Street Address	620 OLEANDER DR SE
City	WINTER HAVEN
State	FL
Zip	33880-4536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	OSCEOLA HEIGHTS PB 41 PG 10 LOT 18
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	OSCEOLA HEIGHTS
Legal Tract	654100
Legal Block	1
Legal Lot Number	18
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1051
Census Tract	13902

Owner

620 Oleander Dr SE is owned and occupied by an individual who bought it in June 2025.

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

Owner of Record	Individual Name on File
Mailing Address	620 OLEANDER DR SE, WINTER HAVEN, FL 33880-4536
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2025 · Amount on File
Deed Sale	Jun 5, 2025 · Amount on File
Prior Sale	Dec 18, 2017 · Amount on File
Deed Document Number	2025130915
Deed Book / Page	13573 / 1531
Prior Transfer Date	Oct 13, 2009
Prior Transfer Doc	0000183726
Record Updated	Oct 29, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 18, 2017
Property Address	620 OLEANDER DR SE, WINTER HAVEN, FL 33880-4536
Document Number	0103440973
Book / Page	010344 / 000973
Instrument Date	Dec 15, 2017
Instrument	243148
Transaction Type	Transfer
Record Updated	Jan 4, 2018
Title Company	HOME SOLUTION TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	620 OLEANDER DR SE WINTER HAVEN FL 338804536, WINTER HAVEN, FL 33880-4536

Mortgage

Document Number	103440974
Date	Dec 18, 2017
Book Page	010344/000974
Instrument	243149

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 17, 2047

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$204,636 (+46.57%) Land $33,000 Building $171,636	$204,636 (+2.36%) Land $33,000 Building $171,636
2025		$139,615	$199,911 Land $33,000 Building $166,911
2023	$1,612.00 (-2.36%) Homeowner's exemption	$131,728 (+3%)	$203,375 (+16.94%) Land $32,000 Building $171,375
2022	$1,651.00 Homeowner's exemption	$127,891	$173,913 Land $27,000 Building $146,913

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

Flood

FEMA maps place 620 Oleander Dr SE in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.

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 18 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	3 (2004–2022)
Claims Outside the SFHA	3 of 3
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

Wildfire risk around 620 Oleander Dr SE is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 347 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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