Polk County property record for 662 Oleander Dr SE, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,269 sqft · built 1959 |
| Lot Size | 0.244 acres (10,633 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (Dec 2024) |
| Tax Bill | $4,002 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-33-654100-000130 |
| Primary APN | 26-28-33-654100-000130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,269 sqft Living Area |
| 1st Floor Area | 1,269 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 | Hip |
| Roof Material | Other |
| Lot Area | 10,633 sqft (0.244 acres) |
| Lot Dimensions | 139 ft deep x 76 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 264 sqft |
| Carport | Carport |
| Carport Area | 264 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 396 sqft |
| Utility Building | 84 sqft |
| Cooling System | Central |
|---|
| Street Address | 662 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 13 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 33 |
| Legal Subdivision | OSCEOLA HEIGHTS |
| Legal Tract | 654100 |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1051 |
| Census Tract | 13902 |
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 | 662 OLEANDER DR SE, WINTER HAVEN, FL 33880-4536 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 6, 2024 · Amount on Record |
| Deed Sale | Dec 6, 2024 · Amount on Record |
| Deed Document Number | 2024276488 |
| Deed Book / Page | 13358 / 325 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 662 OLEANDER DR SE, WINTER HAVEN, FL 33880-4536 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1109 STONEY CREEK BLVD, LAKELAND, FL 33811-2328 |
| Document Number | 0000010964 |
|---|---|
| Date | Jan 15, 2026 |
| Book Page | 13846/1008 |
| Instrument | 2026010964 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
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 | $210,848 (+0.2%) Land $33,000 Building $177,848 | $210,848 (+0.2%) Land $33,000 Building $177,848 | |
| 2025 | $4,002.00 (+1,617.6%) | $210,417 (+221.37%) Land $33,000 Building $177,417 | $210,417 (-0.72%) Land $33,000 Building $177,417 |
| 2023 | $233.00 (+2.19%) Homeowner's exemption | $65,474 (+3%) | $211,945 (+17.58%) Land $32,000 Building $179,945 |
| 2022 | $228.00 Homeowner's exemption | $63,567 | $180,263 Land $27,000 Building $153,263 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 Record 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.
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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