Polk County property record for 16 Tera Ln, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,839 sqft · built 1985 |
| Lot Size | 0.501 acres (21,828 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $100 (Jan 2017) |
| Tax Bill | $3,599 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Jan 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-36-355251-000080 |
| Primary APN | 25-28-36-355251-000080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,839 sqft Living Area |
| Gross Area | 2,751 sqft |
| 1st Floor Area | 1,839 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 21,828 sqft (0.501 acres) |
| Lot Dimensions | 208 ft deep x 105 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Porch | Florida Room |
| Porch Area | 375 sqft |
| Shed | 1 Shed |
| Street Address | 16 TERA LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-1730 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TERA PB 74 PG 4 LOT 8 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 36 |
| Legal Subdivision | TERA |
| Legal Tract | 355251 |
| Legal Block | 2 |
| Legal Lot Number | 8 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 13802 |
Source: Polk County records, as of June 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 16 TERA LN, WINTER HAVEN, FL 33880-1730 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Jan 24, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 1, 2017 · Amount on Record |
| Deed Sale | Jan 1, 2017 · Amount on Record |
| Prior Sale | Sep 2, 2015 · Amount on Record |
| Deed Book / Page | 10045 / 1276 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 16 TERA LN, WINTER HAVEN, FL 33880-1730 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Name | Verified Name |
|---|---|
| Address | 301 LAKE SHORE DR 610, 610, WEST PALM BEACH, FL 33403-3501 |
| Document Number | 0000039420 |
|---|---|
| Date | Feb 16, 2021 |
| Book Page | 11582/777 |
| Instrument | 2021039420 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 24, 2017 |
| Property Address | 16 TERA LN, WINTER HAVEN, FL 33880-1730 |
| Document Number | 0100451276 |
| Book / Page | 010045 / 001276 |
| Instrument Date | Jan 18, 2017 |
| Instrument | 13760 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 6754 EAGLE RIDGE BLVD LAKELAND FL 338135635, LAKELAND, FL 33813-5635 |
Source: Polk County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,599.00 (-18.2%) | $278,377 (-15.19%) Land $44,000 Building $234,377 | $278,377 (-15.19%) Land $44,000 Building $234,377 |
| 2023 | $4,400.00 (+9.4%) | $328,218 (+12.61%) Land $42,000 Building $286,218 | $328,218 (+12.61%) Land $42,000 Building $286,218 |
| 2022 | $4,022.00 | $291,457 Land $35,000 Building $256,457 | $291,457 Land $35,000 Building $256,457 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 14 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 5 (2004–2017) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 | CENTRAL serves 13,595 people · EPA ID FL6534609 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 10 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 293 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 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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