3049 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3049 Royal Tern Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,851 sqft · built 2019
Lot Size	0.148 acres (6,434 sqft)
Owner	2 Individual Names on File
Last Sale	$213,996 (Apr 2019)
Tax Bill	$2,317 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-12-531504-000930`

Property Details

APN / Parcel Number

Primary APN	`26-28-12-531504-000930`
Alternative APNs	`122826531504000930` `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 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,434 sqft (0.148 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Screened/Unfinished Porch
Porch Area	16 sqft

Location & Zoning

Street Address	3049 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 93
Legal Range	26E
Legal Township	28S
Legal Section	12
Legal Subdivision	LAKESIDE LANDINGS PHASE 3
Legal Phase	3
Legal Block	1
Legal Lot Number	93
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1021
Census Tract	12802

Owner

3049 Royal Tern Dr is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	3049 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2019 · Amount on File
Deed Sale	Apr 3, 2019 · Amount on File
Deed Document Number	201966933
Deed Book / Page	10798 / 980
Record Updated	Oct 29, 2026

April 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Apr 3, 2019
Property Address	3049 ROYAL TERN DR, WINTER HAVEN, FL 33881-7300
Document Number	0107980980
Book / Page	010798 / 000980
Instrument Date	Mar 29, 2019
Instrument	66933
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 15, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,497.97
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	3049 ROYAL TERN DR WINTER HAVEN FL 338817300, WINTER HAVEN, FL 33881-7300

Mortgage

Document Number	107980981
Date	Apr 3, 2019
Book Page	010798/000981
Instrument	66934

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3049 Royal Tern Dr was $2,317 with exemptions applied.

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		$205,574 (+2.7%)	$236,370 (-1.3%) Land $58,000 Building $178,370
2025	$2,317.00 Homeowner's exemption	$200,169	$239,480 Land $58,000 Building $181,480
2023	$3,520.00 (+7.51%) Homeowner's exemption	$188,862 (+3%)	$268,084 (+13.11%) Land $56,000 Building $212,084
2022	$3,274.00 Homeowner's exemption	$183,361	$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

FEMA maps place 3049 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 3049 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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