3085 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3085 Royal Tern Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,616 sqft · built 2019
Lot Size	0.132 acres (5,759 sqft)
Owner	2 Individual Names on File
Last Sale	$259,998 (Jan 2020)
Tax Bill	$3,445 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-12-531504-000840`

Property Details

APN / Parcel Number

Primary APN	`26-28-12-531504-000840`
Alternative APNs	`122826531504000840` `22826000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,616 sqft Living Area
Gross Area	3,056 sqft
1st Floor Area	1,088 sqft
Upper Floors Area	1,528 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,759 sqft (0.132 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft
Porch	Unfinished Open Porch
Porch Area	40 sqft

Location & Zoning

Street Address	3085 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 84
Legal Range	26E
Legal Township	28S
Legal Section	12
Legal Subdivision	LAKESIDE LANDINGS PHASE 3
Legal Phase	3
Legal Block	1
Legal Lot Number	84
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1021
Census Tract	12802

Owner

3085 Royal Tern Dr is owned and occupied by two individuals who bought it in January 2020.

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 File
Mailing Address	3085 ROYAL TERN DR, WINTER HAVEN, FL 33881-7300
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jul 15, 2021	Deed of Trust, Mortgage · FHA Mortgage RUSHMORE LOAN MANAGEMENT SERVICES LLC
Jan 31, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage DHI MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2020 · Amount on File
Deed Sale	Jan 31, 2020 · Amount on File
Deed Document Number	202023800
Deed Book / Page	11125 / 2097
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3085 ROYAL TERN DR, WINTER HAVEN, FL 33881-7300
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3085 ROYAL TERN DR, WINTER HAVEN, FL 33881-7300

Mortgage

Document Number	0000244123
Date	Oct 16, 2025
Book Page	13740/1223
Instrument	2025244123

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	292 Months
Due	Feb 1, 2050

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3085 ROYAL TERN DR, WINTER HAVEN, FL 33881-7300
Transaction Type	Mortgage
Record Updated	Aug 2, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3085 ROYAL TERN DR, WINTER HAVEN, FL 33881-7300

Mortgage

Document Number	0000182657
Date	Jul 15, 2021
Book Page	11802/1639
Instrument	2021182657

Lender

Name	RUSHMORE LOAN MANAGEMENT SERVICES LLC
Type	Lending Institution
Address	DALLAS, TX 75234

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	343 Months
Due	Feb 1, 2050

January 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jan 31, 2020
Property Address	3085 ROYAL TERN DR, WINTER HAVEN, FL 33881-7300
Document Number	0111252097
Book / Page	011125 / 002097
Instrument Date	Jan 30, 2020
Instrument	23800
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 21, 2020
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
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	3085 ROYAL TERN DR WINTER HAVEN FL 338817300, WINTER HAVEN, FL 33881-7300

Mortgage

Document Number	111252098
Date	Jan 31, 2020
Book Page	011125/002098
Instrument	23801

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3085 Royal Tern Dr was $3,445 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		$230,753 (+2.7%)	$270,172 (-0.65%) Land $58,000 Building $212,172
2025	$3,445.00 Homeowner's exemption	$224,686	$271,936 Land $58,000 Building $213,936
2023	$4,629.00 (+5.81%) Homeowner's exemption	$211,994 (+3%)	$302,279 (+27.2%) Land $56,000 Building $246,279
2022	$4,375.00 Homeowner's exemption	$205,819	$237,633 Land $46,000 Building $191,633

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

Flood

FEMA maps place 3085 Royal Tern Dr in Zone X, an area of minimal flood risk, within 500 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 500 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 3085 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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