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

Polk County property record for 820 Oleander Dr SE, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,684 sqft · built 1960
Lot Size	0.31 acres (13,512 sqft)
Owner	Individual Name on File
Last Sale	$148,750 (Dec 2017)
Tax Bill	$1,866 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-33-649600-000490`

Property Details

APN / Parcel Number

Primary APN	`26-28-33-649600-000490`
Alternative APNs	`332826649600000490` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,684 sqft Living Area
Gross Area	2,244 sqft
1st Floor Area	1,684 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	13,512 sqft (0.31 acres)
Lot Dimensions	135 ft deep x 100 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	560 sqft
Pool Area	420 sqft
Porch	Screened/Unfinished Porch
Porch Area	476 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	820 OLEANDER DR SE
City	WINTER HAVEN
State	FL
Zip	33880-4540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	COOPER ESTATES PB 38 PG 47 LOT 49
Legal Range	26E
Legal Township	28S
Legal Section	33
Legal Subdivision	COOPER ESTATES
Legal Tract	649600
Legal Block	1
Legal Lot Number	49
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1056
Census Tract	13902

Owner

820 Oleander Dr SE is owned and occupied by an individual who bought it in December 2017.

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	820 OLEANDER DR SE, WINTER HAVEN, FL 33880-4540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2017 · Amount on File
Deed Sale	Dec 19, 2017 · Amount on File
Deed Document Number	2017243832
Deed Book / Page	10345 / 684
Record Updated	Oct 29, 2026

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 19, 2017
Property Address	820 OLEANDER DR SE, WINTER HAVEN, FL 33880-4540
Document Number	0103450684
Book / Page	010345 / 000684
Instrument Date	Dec 8, 2017
Instrument	243832
Transaction Type	Transfer
Record Updated	Jan 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,041.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 OLEANDER DR SE WINTER HAVEN FL 338804540, WINTER HAVEN, FL 33880-4540

Mortgage

Document Number	103450685
Date	Dec 19, 2017
Book Page	010345/000685
Instrument	243833

Lender

Name	USAA FED'L SVGS
Type	Funding / Finance Company
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 18, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 820 Oleander Dr SE was $1,866 with exemptions applied.

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		$155,800 (+2.7%)	$222,686 (-1.28%) Land $37,000 Building $185,686
2025	$1,866.00 Homeowner's exemption	$151,704	$225,583 Land $37,000 Building $188,583
2023	$1,736.00 (-1.36%) Homeowner's exemption	$143,135 (+3%)	$218,810 (+13.85%) Land $36,000 Building $182,810
2022	$1,760.00 Homeowner's exemption	$138,966	$192,193 Land $30,000 Building $162,193

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

Flood

FEMA maps place 820 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 820 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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