3045 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3045 Royal Tern Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,690 sqft · built 2018
Lot Size	0.132 acres (5,763 sqft)
Owner	Individual Name on File
Last Sale	$207,990 (Nov 2018)
Tax Bill	$2,677 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-12-531504-000940`

Property Details

APN / Parcel Number

Primary APN	`26-28-12-531504-000940`
Alternative APNs	`122826531504000940` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,690 sqft Living Area
Gross Area	2,131 sqft
1st Floor Area	1,690 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	136 sqft

Location & Zoning

Street Address	3045 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 94
Legal Range	26E
Legal Township	28S
Legal Section	12
Legal Subdivision	LAKESIDE LANDINGS PHASE 3
Legal Phase	3
Legal Block	1
Legal Lot Number	94
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1021
Census Tract	12802

Owner

3045 Royal Tern Dr is owned and occupied by an individual who bought it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	3045 ROYAL TERN DR, WINTER HAVEN, FL 33881-7300
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
Feb 21, 2020	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
Nov 16, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage ENVOY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2018 · Amount on File
Deed Sale	Nov 16, 2018 · Amount on File
Deed Document Number	2018240531
Deed Book / Page	10672 / 2244
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3045 ROYAL TERN DR, WINTER HAVEN, FL 33881-7300
Document Number	0111570427
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Mar 18, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3045 ROYAL TERN DR WINTER HAVEN FL 338817300, WINTER HAVEN, FL 33881-7300

Mortgage

Document Number	0111570427
Date	Feb 28, 2020
Book Page	011157/000427
Instrument	46193

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2050

November 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Nov 16, 2018
Property Address	3045 ROYAL TERN DR, WINTER HAVEN, FL 33881-7300
Document Number	0106722244
Book / Page	010672 / 002244
Instrument Date	Nov 13, 2018
Instrument	240531
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 5, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,455.93
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3045 ROYAL TERN DR WINTER HAVEN FL 33881, WINTER HAVEN, FL 33881

Mortgage

Document Number	106722261
Date	Nov 16, 2018
Book Page	010672/002261
Instrument	240533

Lender

Name	ENVOY MTG
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3045 Royal Tern Dr was $2,677 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		$189,312 (+2.7%)	$225,629 (-2.03%) Land $58,000 Building $167,629
2025	$2,677.00 Homeowner's exemption	$184,335	$230,298 Land $58,000 Building $172,298
2023	$3,896.00 (+6.56%) Homeowner's exemption	$173,922 (+3%)	$256,069 (+13.3%) Land $56,000 Building $200,069
2022	$3,656.00 Homeowner's exemption	$168,856	$226,008 Land $46,000 Building $180,008

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

Flood

FEMA maps place 3045 Royal Tern Dr in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 3045 Royal Tern Dr is moderate, ranking above 57% 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 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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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