Polk County property record for 1920 Austin Ter, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,621 sqft · built 2004 |
| Lot Size | 0.375 acres (16,352 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $252,900 (Feb 2004) |
| Tax Bill | $3,649 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-28-31-850504-000150 |
| Primary APN | 27-28-31-850504-000150 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,621 sqft Living Area |
| Gross Area | 3,495 sqft |
| 1st Floor Area | 2,621 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 16,352 sqft (0.375 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Porch | Florida Room |
| Porch Area | 444 sqft |
| Street Address | 1920 AUSTIN TER |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODPOINTE PHASE ONE PB 108 PG 26 LOT 15 |
| Legal Range | 27E |
| Legal Township | 28S |
| Legal Section | 31 |
| Legal Subdivision | WOODPOINTE PHASE ONE |
| Legal Phase | 1 |
| Legal Tract | 850504 |
| Legal Block | 1 |
| Legal Lot Number | 15 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 14123 |
1920 Austin Ter is owned and occupied by two individuals who bought it in February 2004.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1920 AUSTIN TER, WINTER HAVEN, FL 33884-2824 |
| 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 |
|---|---|
| Dec 5, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK & TRUST |
| Jul 12, 2021 | Deed of Trust, Mortgage CITIZENS BANK & TRUST |
| Aug 7, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 6, 2004 · Amount on File |
| Deed Sale | Feb 6, 2004 · Amount on File |
| Deed Document Number | 200423397 |
| Deed Book / Page | 5664 / 1157 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1920 AUSTIN TER, WINTER HAVEN, FL 33884-2824 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1920 AUSTIN TER, WINTER HAVEN, FL 33884-2824 |
| Document Number | 0000285653 |
|---|---|
| Date | Dec 5, 2025 |
| Book Page | 13800/1923 |
| Instrument | 2025285653 |
| Name | CITIZENS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1920 AUSTIN TER, WINTER HAVEN, FL 33884-2824 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1920 AUSTIN TER, WINTER HAVEN, FL 33884-2824 |
| Document Number | 0000178578 |
|---|---|
| Date | Jul 12, 2021 |
| Book Page | 11796/474 |
| Instrument | 2021178578 |
| Name | CITIZENS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1920 AUSTIN TER, WINTER HAVEN, FL 33884-2824 |
| Document Number | 0113410985 |
| Instrument Date | Aug 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2020 |
| Title Company | TITLE365 - OMAHA |
| Name | Verified Name |
|---|---|
| Address | 1920 AUSTIN TER WINTER HAVEN FL 338842824, WINTER HAVEN, FL 33884-2824 |
| Document Number | 0113410985 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | 011341/000985 |
| Instrument | 169251 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 18, 2050 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1920 Austin Ter was $3,649 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 | $245,064 (+2.7%) | $365,581 (-7.17%) Land $66,000 Building $299,581 | |
| 2025 | $3,649.00 Homeowner's exemption | $238,621 | $393,803 Land $66,000 Building $327,803 |
| 2023 | $1,770.00 (+6.05%) Homeowner's exemption | $225,142 (+3%) | $402,904 (+10.82%) Land $64,000 Building $338,904 |
| 2022 | $1,669.00 Homeowner's exemption | $218,584 | $363,574 Land $54,000 Building $309,574 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1920 Austin 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 |
| Flood Insurance Cost | Premium on File median of 26 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 26 in force |
| Nearby Flood Claims | 24 (1979–2022) |
| Claims Outside the SFHA | 3 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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.
Wildfire risk around 1920 Austin Ter is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 44% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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 | 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 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Starlink Satellite | 280 / 30 |
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