3041 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3041 Royal Tern Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,851 sqft · built 2018
Lot Size	0.132 acres (5,763 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Sep 2025)
Tax Bill	$3,634 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jan 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-12-531504-000950`

Property Details

APN / Parcel Number

Primary APN	`26-28-12-531504-000950`
Alternative APNs	`122826531504000950` `22826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,851 sqft Living Area
Gross Area	2,292 sqft
1st Floor Area	1,851 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,763 sqft (0.132 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	104 sqft

Location & Zoning

Street Address	3041 ROYAL TERN DR
City	WINTER HAVEN
State	FL
Zip	33881-7300
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESIDE LANDINGS PHASE 3 PB 168 PGS 5-7 LOT 95
Legal Range	26E
Legal Township	28S
Legal Section	12
Legal Subdivision	LAKESIDE LANDINGS PHASE 3
Legal Phase	3
Legal Block	1
Legal Lot Number	95
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1021
Census Tract	12802

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5368 ORANGE BLVD, SANFORD, FL 32771-8697
Owner Type	Individual
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Warranty Deed, Transfer KRISTO NICOLA HAYAT ETAL
Jan 13, 2021	Warranty Deed, Transfer WESTSIDE SETTLEMENT ASSOCS LLC
Dec 12, 2018	Grant Deed, Subdivision Related Transfer · Conventional with PMI DHI MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on Record
Deed Sale	Sep 30, 2025 · Amount on Record
Prior Sale	Jan 13, 2021 · Amount on Record
Deed Document Number	2025229487
Deed Book / Page	13718 / 959
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 30, 2025
Property Address	3041 ROYAL TERN DR, WINTER HAVEN, FL 33881-7300
Document Number	0000229487
Book / Page	13718 / 959
Map Reference	MB 168 PG 5-7
Instrument Date	Sep 19, 2025
Instrument	2025229487
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 HUNTLEY CT, HAINES CITY, FL 33844-8606

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5368 ORANGE BLVD, SANFORD, FL 32771-8697

Mortgage

Document Number	0000229488
Date	Sep 30, 2025
Book Page	13718/961
Instrument	2025229488

Lender

Name	KRISTO NICOLA HAYAT ETAL
Type	Private Party
Address	1 HUNTLEY CT, HAINES CITY, FL 33844

Agreement

Amount	Amount Recorded
Term	97 Months
Due	Oct 1, 2033

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 13, 2021
Property Address	3041 ROYAL TERN DR, WINTER HAVEN, FL 33881-7300
Document Number	0115360627
Book / Page	011536 / 000627
Instrument Date	Jan 11, 2021
Instrument	9213
Transaction Type	Transfer
Record Updated	Jan 26, 2021
Title Company	WESTSIDE SETTLEMENT ASSOCS LLC

Transaction

Amount	Amount Recorded
Tax	$1,610.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3976 CHESHUNT DR WOODBURY MN 551252727, WOODBURY, MN 55125-2727

December 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 12, 2018
Property Address	3041 ROYAL TERN DR, WINTER HAVEN, FL 33881-7300
Document Number	0106942151
Book / Page	010694 / 002151
Instrument Date	Nov 27, 2018
Instrument	256883
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 5, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,511.93
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	29 OVINGTON AVE EDISON NJ 088173509, EDISON, NJ 08817-3509

Mortgage

Document Number	106942155
Date	Dec 12, 2018
Book Page	010694/002155
Instrument	256886

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 11, 2048

Tax Assessment & Valuation

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		$234,670 (-2.07%) Land $58,000 Building $176,670	$234,670 (-2.07%) Land $58,000 Building $176,670
2025	$3,634.00 (-29.46%)	$239,640 (-2.68%) Land $58,000 Building $181,640	$239,640 (-2.68%) Land $58,000 Building $181,640
2024	$5,152.00 Homeowner's exemption	$246,249 (+0.87%) Land $58,000 Building $188,249	$246,249 (-7.8%) Land $58,000 Building $188,249
2023	$5,152.00 (+3.64%) Homeowner's exemption	$244,123 (+3%)	$267,078 (+12.68%) Land $56,000 Building $211,078
2022	$4,971.00 Homeowner's exemption	$237,013 Land $46,000 Building $191,013	$237,013 Land $46,000 Building $191,013

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 35 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	13 (1998–2022)
Claims Outside the SFHA	5 of 13
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Frances, Sep 2004 · 8 claims

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 61% of the US · lower than 64% of Florida
Wildfire Likelihood	0.2% 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 205 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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