1852 Galloway Ter, Winter Haven, FL 33881 Property Records

Polk County property record for 1852 Galloway Ter, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,820 sqft · built 2019
Lot Size	0.171 acres (7,449 sqft)
Owner	2 Individual Names on File
Last Sale	$209,700 (Jan 2019)
Tax Bill	$2,964 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-22-588321-001140`

Property Details

APN / Parcel Number

Primary APN	`26-28-22-588321-001140`
Alternative APNs	`222826588321001140` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,820 sqft Living Area
Gross Area	2,220 sqft
1st Floor Area	1,820 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	7,449 sqft (0.171 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch
Porch Area	184 sqft

Location & Zoning

Street Address	1852 GALLOWAY TER
City	WINTER HAVEN
State	FL
Zip	33881-3204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUCKEYE TRACE PB 142 PG 45-47 LOT 114
Legal Range	26E
Legal Township	28S
Legal Section	22
Legal Subdivision	BUCKEYE TRACE
Legal Tract	C
Legal Block	4
Legal Lot Number	114
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4036
Census Tract	13702

Owner

1852 Galloway Ter is owned and occupied by two individuals who bought it in January 2019.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1852 GALLOWAY TER, WINTER HAVEN, FL 33881-3204
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Deed of Trust, Mortgage · FHA Mortgage GOODLEAP LLC
Dec 28, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jan 28, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage MORTGAGE SOLUTIONS/CO
Jul 11, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2019 · Amount on File
Deed Sale	Jan 28, 2019 · Amount on File
Prior Sale	Jul 11, 2017 · Amount on File
Deed Document Number	201917193
Deed Book / Page	10734 / 185
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1852 GALLOWAY TER, WINTER HAVEN, FL 33881-3204
Transaction Type	Mortgage
Record Updated	Sep 13, 2022
Title Company	HOME SOLUTION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1852 GALLOWAY TER, WINTER HAVEN, FL 33881-3204

Mortgage

Document Number	0000236630
Date	Aug 31, 2022
Book Page	12400/912
Instrument	2022236630

Lender

Name	GOODLEAP LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1852 GALLOWAY TER, WINTER HAVEN, FL 33881-3204
Document Number	0115551388
Instrument Date	Dec 28, 2020
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1852 GALLOWAY TER WINTER HAVEN FL 338813204, WINTER HAVEN, FL 33881-3204

Mortgage

Document Number	0115551388
Date	Jan 28, 2021
Book Page	011555/001388
Instrument	22033

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Jan 27, 2049

January 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jan 28, 2019
Property Address	1852 GALLOWAY TER, WINTER HAVEN, FL 33881-3204
Document Number	0107340185
Book / Page	010734 / 000185
Instrument Date	Jan 25, 2019
Instrument	17193
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,467.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1852 GALLOWAY TER WINTER HAVEN FL 338813204, WINTER HAVEN, FL 33881-3204

Mortgage

Document Number	107340187
Date	Jan 28, 2019
Book Page	010734/000187
Instrument	17194

Lender

Name	MORTGAGE SOLUTIONS/CO
Type	Mortgage Company
Address	5455 N UNION BLVD, COLORADO SPRINGS, CO 80918-2077

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 27, 2049

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 11, 2017
Property Address	1852 GALLOWAY TER, WINTER HAVEN, FL 33881-3204
Document Number	0102001377
Book / Page	010200 / 001377
Instrument Date	Jul 6, 2017
Instrument	131155
Transaction Type	Transfer
Record Updated	Jul 20, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$3,990.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3000 GULF BREEZE PKWY GULF BREEZE FL 325635623, GULF BREEZE, FL 32563-5623
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1852 Galloway Ter was $2,964 with a homeowner's exemption.

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		$204,802 (+2.7%)	$251,546 (+0.27%) Land $42,000 Building $209,546
2025	$2,964.00 Homeowner's exemption	$199,418	$250,863 Land $42,000 Building $208,863
2023	$2,795.00 (+2.91%) Homeowner's exemption	$188,153 (+3%)	$265,968 (+12.76%) Land $40,000 Building $225,968
2022	$2,716.00 Homeowner's exemption	$182,673	$235,861 Land $33,000 Building $202,861

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

Flood

FEMA maps place 1852 Galloway Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force

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 1852 Galloway Ter is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 137 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
Starlink Satellite	280 / 30

May also be available: Hotwire Communications.

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