3149 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3149 Royal Tern Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,851 sqft · built 2020
Lot Size	0.132 acres (5,728 sqft)
Owner	2 Individual Names on File
Last Sale	$231,990 (Aug 2020)
Tax Bill	$3,719 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Mar 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-12-531504-000680`

Property Details

APN / Parcel Number

Primary APN	`26-28-12-531504-000680`
Alternative APNs	`122826531504000680` `22826000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,851 sqft Living Area
Gross Area	2,380 sqft
1st Floor Area	1,851 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,728 sqft (0.132 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Florida Room
Porch Area	20 sqft

Location & Zoning

Street Address	3149 ROYAL TERN DR
City	WINTER HAVEN
State	FL
Zip	33881-7305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESIDE LANDINGS PHASE 3 PB 168 PGS 5-7 LOT 68
Legal Range	26E
Legal Township	28S
Legal Section	12
Legal Subdivision	LAKESIDE LANDINGS PHASE 3
Legal Phase	3
Legal Block	1
Legal Lot Number	68
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1036
Census Tract	12802

Owner

3149 Royal Tern Dr is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3149 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
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
Nov 21, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 23, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 20, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage FBC MTG
Nov 19, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2020 · Amount on File
Deed Sale	Aug 20, 2020 · Amount on File
Prior Sale	Nov 19, 2019 · Amount on File
Deed Document Number	2020171285
Deed Book / Page	11344 / 1584
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3149 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Transaction Type	Mortgage
Record Updated	Dec 13, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3149 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305

Mortgage

Document Number	0000274147
Date	Nov 21, 2023
Book Page	12915/1874
Instrument	2023274147

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	322 Months
Due	Sep 1, 2050

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3149 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Transaction Type	Mortgage
Record Updated	Apr 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3149 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305

Mortgage

Document Number	0000067978
Date	Mar 23, 2023
Book Page	12626/1486
Instrument	2023067978

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	330 Months
Due	Sep 1, 2050

August 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Aug 20, 2020
Property Address	3149 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number	0113441584
Book / Page	011344 / 001584
Instrument Date	Aug 14, 2020
Instrument	171285
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 14, 2020
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,624.00
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	3149 ROYAL TERN DR WINTER HAVEN FL 338817305, WINTER HAVEN, FL 33881-7305

Mortgage

Document Number	113441585
Date	Aug 20, 2020
Book Page	011344/001585
Instrument	171286

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 19, 2050

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Nov 19, 2019
Property Address	3149 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number	0110451560
Book / Page	011045 / 001560
Instrument Date	Nov 15, 2019
Instrument	245180
Transaction Type	Transfer
Record Updated	Dec 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$5,212.90
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6200 LEE VISTA BLVD #400 ORLANDO FL 328225149, 400, ORLANDO, FL 32822-5149

Tax Assessment & Valuation

The 2025 property tax bill for 3149 Royal Tern Dr was $3,719 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		$237,363 (-2.07%) Land $58,000 Building $179,363	$237,363 (-2.07%) Land $58,000 Building $179,363
2025	$3,719.00 Homeowner's exemption	$242,374 Land $58,000 Building $184,374	$242,374 Land $58,000 Building $184,374
2023	$5,786.00 (+11.01%)	$270,196 (+13.32%) Land $56,000 Building $214,196	$270,196 (+13.32%) Land $56,000 Building $214,196
2022	$5,212.00	$238,444 Land $46,000 Building $192,444	$238,444 Land $46,000 Building $192,444

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

Flood

FEMA maps place 3149 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 AE, 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 3149 Royal Tern Dr is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 60% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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 91 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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