3097 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3097 Royal Tern Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,846 sqft · built 2019
Lot Size	0.132 acres (5,759 sqft)
Owner	2 Individual Names on File
Last Sale	$312,000 (Mar 2023)
Tax Bill	$1,375 (2024)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-12-531504-000810`

Property Details

APN / Parcel Number

Primary APN	`26-28-12-531504-000810`
Alternative APNs	`122826531504000810` `22826000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,846 sqft Living Area
Gross Area	2,287 sqft
1st Floor Area	1,846 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	5,759 sqft (0.132 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch
Porch Area	113 sqft

Location & Zoning

Street Address	3097 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 81
Legal Range	26E
Legal Township	28S
Legal Section	12
Legal Subdivision	LAKESIDE LANDINGS PHASE 3
Legal Phase	3
Legal Block	1
Legal Lot Number	81
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1021
Census Tract	12802

Owner

3097 Royal Tern Dr is owned and occupied by two individuals who bought it in March 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	3097 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
Mar 27, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 6, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage ROYAL PACIFIC FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2023 · Amount on File
Deed Sale	Mar 27, 2023 · Amount on File
Prior Sale	Jun 6, 2019 · Amount on File
Deed Document Number	202370556
Deed Book / Page	12630 / 372
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 27, 2023
Property Address	3097 ROYAL TERN DR, WINTER HAVEN, FL 33881-7300
Document Number	0000070556
Book / Page	12630 / 372
Map Reference	MB 168 PG 5-7
Instrument Date	Mar 17, 2023
Instrument	2023070556
Transaction Type	Transfer
Record Updated	Apr 6, 2023
Title Company	UNIK TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,184.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	514 OAKLEAF DR # 4, 4, LAKELAND, FL 33801-9110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3097 ROYAL TERN DR, WINTER HAVEN, FL 33881-7300

Mortgage

Document Number	0012630374
Date	Mar 27, 2023
Instrument	12630/374

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jun 6, 2019
Property Address	3097 ROYAL TERN DR, WINTER HAVEN, FL 33881-7300
Document Number	0108652282
Book / Page	010865 / 002282
Instrument Date	May 31, 2019
Instrument	116850
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 21, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,497.96
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3097 ROYAL TERN DR WINTER HAVEN FL 338817300, WINTER HAVEN, FL 33881-7300

Mortgage

Document Number	108652283
Date	Jun 6, 2019
Book Page	010865/002283
Instrument	116851

Lender

Name	ROYAL PACIFIC FNDG
Type	Funding / Finance Company
Address	COSTA MESA, CA 92626

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2049

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		$236,043 (-1.3%) Land $58,000 Building $178,043	$236,043 (-1.3%) Land $58,000 Building $178,043
2025		$239,162 Land $58,000 Building $181,162	$239,162 Land $58,000 Building $181,162
2024	$1,375.00 (-67.2%)
2023	$4,192.00 (+6.23%)	$189,293 (+3%)	$268,705 (+13.12%) Land $56,000 Building $212,705
2022	$3,946.00 Homeowner's exemption	$183,780	$237,532 Land $46,000 Building $191,532

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

Flood

FEMA maps place 3097 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 AE, 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 3097 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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