3009 Silverado Ter, Winter Haven, FL 33884 Property Records

Polk County property record for 3009 Silverado Ter, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,832 sqft · built 1988
Lot Size	0.147 acres (6,395 sqft)
Owner	Trust Name on Record
Last Sale	$140,000 (Jan 2002)
Tax Bill	$1,105 (2025)
Deeds & Mortgages	Nov 2021 Reverse Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-28-31-000000-012320`

Property Details

APN / Parcel Number

Primary APN	`27-28-31-000000-012320`
Alternative APNs	`312827000000012320` `12827000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,832 sqft Living Area
Gross Area	2,643 sqft
1st Floor Area	1,832 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	6,395 sqft (0.147 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	504 sqft
Porch	Florida Room
Porch Area	329 sqft

Location & Zoning

Street Address	3009 SILVERADO TER
City	WINTER HAVEN
State	FL
Zip	33884-1255
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	BEG 2683.57 FT S & 195.84 FT W OF NE COR OF SEC RUN S 88 DEG 59 MIN W 55.95 FT N 01 DEG 01 MIN W 125 FT N 88 DEG 59 MIN E 47.29 FT S 01 DEG 01 MIN E 30.63 FT S 76 DEG 01 MIN E 8 FT S 13 DEG 59 MIN W 34.67 FT S 35 DEG 59 MIN 34 SEC E 14.93 FT S 28 DEG
Legal Range	27E
Legal Township	28S
Legal Section	31
Legal Subdivision	ALAMEDA HEIGHTS
Legal Tract	000000
Legal Block	2
Legal Lot Number	5
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	2
Census Block	2068
Census Tract	14123

Owner

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	Trust Name on Record
Mailing Address	3009 SILVERADO TER, WINTER HAVEN, FL 33884-1255
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2021	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Jun 6, 2018	Deed of Trust, Mortgage · FHA Mortgage COASTAL STATES MTG
Jun 6, 2018	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2002 · Amount on Record
Deed Sale	Jan 23, 2002 · Amount on Record
Prior Sale	Feb 11, 1999 · Amount on Record
Deed Book / Page	4906 / 1713
Transfer Doc	4906001713
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3009 SILVERADO TER, WINTER HAVEN, FL 33884-1255
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3009 SILVERADO TER, WINTER HAVEN, FL 33884-1255

Mortgage

Document Number	0000294238
Date	Nov 10, 2021
Book Page	11977/836
Instrument	2021294238

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.59%
Type Change Date	Dec 1, 2021
Change Frequency	Annually
Index	1-Year CMT

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3009 SILVERADO TER, WINTER HAVEN, FL 33884-1255
Document Number	0105150629
Instrument Date	Jun 6, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3009 SILVERADO TER WINTER HAVEN FL 338841255, WINTER HAVEN, FL 33884-1255

Mortgage

Document Number	0105150629
Date	Jun 13, 2018
Book Page	010515/000629
Instrument	125849

Lender

Name	COASTAL STATES MTG
Type	Mortgage Company
Address	HICKORY, NC 28602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	864 Months
Due	Jun 12, 2090

Interest

Rate Type	Adjustable Rate
Rate	5.09%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3009 SILVERADO TER, WINTER HAVEN, FL 33884-1255
Document Number	0105150646
Instrument Date	Jun 6, 2018
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3009 SILVERADO TER WINTER HAVEN FL 338841255, WINTER HAVEN, FL 33884-1255

Mortgage

Document Number	0105150646
Date	Jun 13, 2018
Book Page	010515/000646
Instrument	125850

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	864 Months
Due	Jun 12, 2090

Interest

Rate Type	Adjustable Rate
Rate	5.09%

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$134,225 (+2.7%)	$233,835 (-1.65%) Land $50,000 Building $183,835
2025	$1,105.00 (+18.95%) Homeowner's exemption Widower's exemption	$130,696 (+5.99%)	$237,769 (-1.86%) Land $50,000 Building $187,769
2024	$929.00 (+23.05%)
2023	$755.00 (+0.8%) Homeowner's exemption	$123,314 (+3%)	$242,278 (+11.1%) Land $48,000 Building $194,278
2022	$749.00 Homeowner's exemption	$119,722	$218,072 Land $40,000 Building $178,072

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

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 105 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	105 in force
Nearby Flood Claims	3 (2017–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2022 · Hurricane Ian

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

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	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 183 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 / 1,000

May also be available: Hotwire Communications.

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