Polk County property record for 20 Tera Ln, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,425 sqft · built 1985 |
| Lot Size | 1.49 acres (65,122 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,833 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-36-355251-000100 |
| Primary APN | 25-28-36-355251-000100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,425 sqft Living Area |
| Gross Area | 3,524 sqft |
| 1st Floor Area | 2,425 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 65,122 sqft |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 749 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 805 sqft |
| Shed | 1 Shed |
| Gazebo | Gazebo |
| Street Address | 20 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 LOTS 10 & 11 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 36 |
| Legal Subdivision | TERA |
| Legal Tract | 355251 |
| Legal Block | 2 |
| Legal Lot Number | 10,11 |
| 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 Individual Names on Record |
|---|---|
| Mailing Address | 20 TERA LN, WINTER HAVEN, FL 33880-1730 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 18, 2009 |
| Transfer Doc | 0000004572 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 20 TERA LN, WINTER HAVEN, FL 33880-1730 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000010537 |
|---|---|
| Date | Jan 16, 2024 |
| Book Page | 12973/452 |
| Instrument | 2024010537 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 5, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $186,917 (+2.7%) | $331,700 (-2.56%) Land $66,000 Building $265,700 | |
| 2025 | $1,833.00 (-16.91%) Homeowner's exemption | $182,003 (+5.99%) | $340,413 (-13.82%) Land $66,000 Building $274,413 |
| 2023 | $2,206.00 (+3.47%) Homeowner's exemption | $171,722 (+3%) | $395,021 (+14.55%) Land $63,000 Building $332,021 |
| 2022 | $2,132.00 Homeowner's exemption | $166,720 | $344,842 Land $52,500 Building $292,342 |
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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