Polk County property record for 941 Oleander Dr SE, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,438 sqft · built 1956 |
| Lot Size | 0.319 acres (13,909 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $133,500 (Jul 2015) |
| Tax Bill | $1,592 (2025) |
| Deeds & Mortgages | Jun 2021 Transfer Jan 2021 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-33-649600-000080 |
| Primary APN | 26-28-33-649600-000080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,438 sqft Living Area |
| 1st Floor Area | 1,978 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 13,909 sqft (0.319 acres) |
| Lot Dimensions | 139 ft deep x 100 ft wide |
| View / Lot | Commercial/Industrial |
| Pool Area | 480 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 502 sqft |
| Shed | 1 Shed |
| Street Address | 941 OLEANDER DR SE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-4543 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | COOPER ESTATES PB 38 PG 47 LOT 8 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 33 |
| Legal Subdivision | COOPER ESTATES |
| Legal Tract | 649600 |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 13902 |
941 Oleander Dr SE is owned and occupied by two individuals who acquired it in June 2021.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 941 OLEANDER DR SE, WINTER HAVEN, FL 33880-4543 |
| 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.
| Date | Document |
|---|---|
| Jun 4, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jan 12, 2021 | Loan Modification, Mortgage · Line of Credit TRUSTCO BK |
| Nov 23, 2018 | Loan Modification, Mortgage · Line of Credit TRUSTCO BK |
| Jun 5, 2017 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2015 · Amount on File |
| Deed Sale | Jul 29, 2015 · Amount on File |
| Prior Sale | Jun 3, 2013 · Amount on File |
| Deed Document Number | 2015136980 |
| Deed Book / Page | 9588 / 666 |
| Last Transfer Date | Jun 1, 2021 |
| Transfer Doc | 0000145507 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 4, 2021 |
| Property Address | 941 OLEANDER DR SE, WINTER HAVEN, FL 33880-4543 |
| Document Number | 0000145507 |
| Book / Page | 11745 / 1931 |
| Map Reference | MB 38 PG 47 |
| Instrument Date | Jun 1, 2021 |
| Instrument | 2021145507 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 941 OLEANDER DR SE, WINTER HAVEN, FL 33880-4543 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 941 OLEANDER DR SE, WINTER HAVEN, FL 33880-4543 |
| Document Number | 0115471408 |
| Instrument Date | Jan 12, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 941 OLEANDER DR SE WINTER HAVEN FL 338804543, WINTER HAVEN, FL 33880-4543 |
| Document Number | 0115471408 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | 011547/001408 |
| Instrument | 16853 |
| Name | TRUSTCO BK |
|---|---|
| Type | Bank |
| Address | GLENVILLE, NY 12302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 21, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 941 OLEANDER DR SE, WINTER HAVEN, FL 33880-4543 |
| Document Number | 0106841231 |
| Instrument Date | Nov 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 941 OLEANDER DR SE WINTER HAVEN FL 338804543, WINTER HAVEN, FL 33880-4543 |
| Document Number | 0106841231 |
|---|---|
| Date | Nov 30, 2018 |
| Book Page | 010684/001231 |
| Instrument | 249370 |
| Name | TRUSTCO BK |
|---|---|
| Type | Bank |
| Address | GLENVILLE, NY 12302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 29, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 16% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 941 OLEANDER DR SE, WINTER HAVEN, FL 33880-4543 |
| Document Number | 0101741003 |
| Instrument Date | Jun 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 941 OLEANDER DR SE WINTER HAVEN FL 338804543, WINTER HAVEN, FL 33880-4543 |
| Document Number | 0101741003 |
|---|---|
| Date | Jun 13, 2017 |
| Book Page | 010174/001003 |
| Instrument | 112155 |
| Name | TRUSTCO BK |
|---|---|
| Type | Bank |
| Address | LONGWOOD, FL 32750 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 12, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 941 Oleander Dr SE was $1,592 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 | $130,696 (+2.7%) | $236,810 (-1.95%) Land $37,000 Building $199,810 | |
| 2025 | $1,592.00 Homeowner's exemption | $127,260 | $241,522 Land $37,000 Building $204,522 |
| 2023 | $1,484.00 (+3.7%) Homeowner's exemption | $120,071 (+3%) | $234,497 (+13.06%) Land $36,000 Building $198,497 |
| 2022 | $1,431.00 Homeowner's exemption | $116,574 | $207,413 Land $30,000 Building $177,413 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 941 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 941 Oleander Dr SE is low, with 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 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 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 197 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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