Polk County property record for 646 Oleander Dr SE, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,161 sqft · built 1959 |
| Lot Size | 0.255 acres (11,090 sqft) |
| Owner | Individual Name on File |
| Last Sale | $105,000 (Mar 2017) |
| Tax Bill | $1,403 (2025) |
| Deeds & Mortgages | Mar 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-33-654100-000170 |
| Primary APN | 26-28-33-654100-000170 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,161 sqft Living Area |
| Gross Area | 1,427 sqft |
| 1st Floor Area | 1,161 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 11,090 sqft (0.255 acres) |
| Lot Dimensions | 139 ft deep x 80 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 266 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 186 sqft |
| Utility Building | 112 sqft |
| Street Address | 646 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 17 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 33 |
| Legal Subdivision | OSCEOLA HEIGHTS |
| Legal Tract | 654100 |
| Legal Block | 1 |
| Legal Lot Number | 17 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1051 |
| Census Tract | 13902 |
646 Oleander Dr SE is owned and occupied by an individual who bought it in March 2017.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 646 OLEANDER DR SE, WINTER HAVEN, FL 33880-4536 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 8, 2017 · Amount on File |
| Deed Sale | Mar 8, 2017 · Amount on File |
| Prior Sale | Jan 24, 2000 · Amount on File |
| Deed Document Number | 201745384 |
| Deed Book / Page | 10085 / 1556 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 8, 2017 |
| Property Address | 646 OLEANDER DR SE, WINTER HAVEN, FL 33880-4536 |
| Document Number | 0100851556 |
| Book / Page | 010085 / 001556 |
| Instrument Date | Mar 1, 2017 |
| Instrument | 45384 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2018 |
| Title Company | SUNBELT TITLE (AGENCY) |
| Amount | Amount on Record |
|---|---|
| Tax | $735.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 646 OLEANDER DR SE WINTER HAVEN FL 338804536, WINTER HAVEN, FL 33880-4536 |
The 2025 property tax bill for 646 Oleander Dr SE was $1,403 with a homeowner's exemption.
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 | $119,833 (+2.12%) | $180,381 (+2.05%) Land $33,000 Building $147,381 | |
| 2025 | $1,403.00 Homeowner's exemption | $117,347 | $176,749 Land $33,000 Building $143,749 |
| 2023 | $1,304.00 (+3.9%) Homeowner's exemption | $110,718 (+3%) | $178,396 (+15.42%) Land $32,000 Building $146,396 |
| 2022 | $1,255.00 Homeowner's exemption | $107,493 | $154,569 Land $27,000 Building $127,569 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 646 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 risk around 646 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.
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 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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