Polk County property record for 18 Tera Ln, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,254 sqft · built 1984 |
| Lot Size | 0.501 acres (21,828 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $1,320 (2025) |
| Deeds & Mortgages | Jan 2026 Transfer Jun 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-36-355251-000090 |
| Primary APN | 25-28-36-355251-000090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,254 sqft Living Area |
| Gross Area | 3,000 sqft |
| 1st Floor Area | 2,254 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| 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 | 506 sqft |
| Porch | Florida Room |
| Porch Area | 282 sqft |
| Street Address | 18 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 9 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 36 |
| Legal Subdivision | TERA |
| Legal Tract | 355251 |
| Legal Block | 2 |
| Legal Lot Number | 9 |
| 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 September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 18 TERA LN, WINTER HAVEN, FL 33880-1730 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jan 12, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jun 11, 2018 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 6, 2026 |
| Transfer Doc | 0000007724 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 12, 2026 |
| Property Address | 18 TERA LN, WINTER HAVEN, FL 33880-1730 |
| Document Number | 0000007724 |
| Book / Page | 13841 / 1905 |
| Map Reference | MB 74 PG 4 |
| Instrument Date | Jan 6, 2026 |
| Instrument | 2026007724 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18 TERA LN, WINTER HAVEN, FL 33880-1730 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 18 TERA LN, WINTER HAVEN, FL 33880-1730 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 18 TERA LN, WINTER HAVEN, FL 33880-1730 |
| Document Number | 0105261675 |
| Instrument Date | Jun 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18 TERA LN WINTER HAVEN FL 338801730, WINTER HAVEN, FL 33880-1730 |
| Document Number | 0105261675 |
|---|---|
| Date | Jun 22, 2018 |
| Book Page | 010526/001675 |
| Instrument | 134323 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 21, 2038 |
| Rate Type | Adjustable Rate |
|---|
Source: Polk County assessment roll, as of September 28, 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 |
|---|---|---|---|
| 2026 | $151,342 (+2.7%) | $274,388 (+1.29%) Land $44,000 Building $230,388 | |
| 2025 | $1,320.00 (-25.72%) Homeowner's exemption | $147,363 (+5.99%) | $270,892 (-15.62%) Land $44,000 Building $226,892 |
| 2023 | $1,777.00 (+3.86%) Homeowner's exemption | $139,039 (+3%) | $321,028 (+12.04%) Land $42,000 Building $279,028 |
| 2022 | $1,711.00 Homeowner's exemption | $134,989 | $286,535 Land $35,000 Building $251,535 |
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 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 435 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 |
May also be available: Verizon.
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