3161 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3161 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	0.195 acres (8,490 sqft)
Owner	Individual Name on File
Last Sale	$181,500 (Aug 2026)
Tax Bill	$2,961 (2025)
Deeds & Mortgages	Aug 2026 Sale Jun 2026 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-12-531504-000650`

Property Details

APN / Parcel Number

Primary APN	`26-28-12-531504-000650`
Alternative APNs	`122826531504000650` `22826000`

Interior

Bedrooms	2 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 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	8,490 sqft (0.195 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch
Porch Area	104 sqft

Location & Zoning

Street Address	3161 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 65
Legal Range	26E
Legal Township	28S
Legal Section	12
Legal Subdivision	LAKESIDE LANDINGS PHASE 3
Legal Phase	3
Legal Block	1
Legal Lot Number	65
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1036
Census Tract	12802

Owner

3161 Royal Tern Dr is owned by an individual who bought it in August 2026.

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

Owner of Record	Individual Name on File
Mailing Address	128 CHURCH ST, WALTHAM, MA 02452-5618
Owner Type	Individual
Vesting	Single Woman

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
Aug 13, 2026	Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jun 8, 2026	Certificate of Transfer, Transfer
Nov 28, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 25, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 9, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage EQUITY PRIME MTG
Jan 10, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2026 · Amount on File
Deed Sale	Aug 13, 2026 · Amount on File
Prior Sale	Jun 8, 2026 · Amount on File
Deed Document Number	2026196298
Deed Book / Page	14115 / 1738
Record Updated	Oct 29, 2026

August 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 13, 2026
Property Address	3161 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number	0000196298
Book / Page	14115 / 1738
Instrument Date	Jul 14, 2026
Instrument	2026196298
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$128,320.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2026: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	POLK FL
Recording Date	Jun 8, 2026
Property Address	3161 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number	0000136209
Book / Page	14028 / 2153
Instrument Date	Jun 8, 2026
Instrument	2026136209
Transaction Type	Transfer
Record Updated	Oct 23, 2026

Transaction

Amount	Amount on Record
Tax	$113,968.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3161 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	3161 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305

Mortgage

Document Number	0000277920
Date	Nov 28, 2023
Book Page	12921/280
Instrument	2023277920

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	332 Months
Due	Jul 1, 2051

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3161 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Transaction Type	Mortgage
Record Updated	Feb 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3161 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305

Mortgage

Document Number	0000021047
Date	Jan 25, 2022
Book Page	12087/863
Instrument	2022021047

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	342 Months
Due	Jul 1, 2050

June 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jun 9, 2020
Property Address	3161 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number	0112591057
Book / Page	011259 / 001057
Instrument Date	Jun 4, 2020
Instrument	114211
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 30, 2020
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,631.00
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	3161 ROYAL TERN DR WINTER HAVEN FL 338817305, WINTER HAVEN, FL 33881-7305

Mortgage

Document Number	112591058
Date	Jun 9, 2020
Book Page	011259/001058
Instrument	114212

Lender

Name	EQUITY PRIME MTG
Address	ATLANTA, GA 30328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2050

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jan 10, 2020
Property Address	3161 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number	0111032171
Book / Page	011103 / 002171
Instrument Date	Jan 9, 2020
Instrument	7457
Transaction Type	Transfer
Record Updated	Jan 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$5,250.00
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 3161 Royal Tern Dr was $2,961.

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		$207,296 (+2.7%)	$235,494 (-2.08%) Land $58,000 Building $177,494
2025	$2,961.00 Homeowner's exemption	$201,846	$240,486 Land $58,000 Building $182,486
2023	$4,163.00 (+6.39%) Homeowner's exemption	$190,444 (+3%)	$268,084 (+13.11%) Land $56,000 Building $212,084
2022	$3,913.00 Homeowner's exemption	$184,897	$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 3161 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 3161 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.

Nearby Properties on Royal Tern Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures