Polk County property record for 3164 Royal Tern Dr, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,867 sqft · built 2020 |
| Lot Size | 0.162 acres (7,057 sqft) |
| Owner | Individual Name on File |
| Last Sale | $231,990 (Jul 2020) |
| Tax Bill | $2,999 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Sep 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-12-531504-001840 |
| Primary APN | 26-28-12-531504-001840 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,867 sqft Living Area |
| Gross Area | 2,375 sqft |
| 1st Floor Area | 1,867 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 7,057 sqft (0.162 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Florida Room |
| Porch Area | 20 sqft |
| Street Address | 3164 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 184 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 12 |
| Legal Subdivision | LAKESIDE LANDINGS PHASE 3 |
| Legal Phase | 3 |
| Legal Block | 1 |
| Legal Lot Number | 184 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 12802 |
Source: Polk County assessment roll, APN 26-28-12-531504-001840, as of June 23, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3164 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 16, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Sep 01, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 09, 2020 | Grant Deed, Subdivision Related Transfer · FHA Mortgage EQUITY PRIME MTG |
| Jan 10, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 09, 2020 · Amount on Record |
| Deed Sale | Jul 09, 2020 · Amount on Record |
| Deed Document Number | 2020137281 |
| Deed Book / Page | 11293 / 801 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 16, 2026 |
| Property Address | 3164 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305 |
| Document Number | 0000170532 |
| Book / Page | 14079 / 610 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 2026170532 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3164 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305 |
| Document Number | 0000170532, |
|---|---|
| Date | Jul 16, 2026 |
| Book Page | 14079/610 |
| Instrument | 2026170532 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Aug 01, 2050 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3164 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 3164 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305 |
| Document Number | 0000206071 |
|---|---|
| Date | Sep 01, 2023 |
| Book Page | 12822/142 |
| Instrument | 2023206071 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 323 Months |
| Due | Aug 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 09, 2020 |
| Property Address | 3164 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305 |
| Document Number | 0112930801 |
| Book / Page | 011293 / 000801 |
| Instrument Date | Jul 06, 2020 |
| Instrument | 137281 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 29, 2020 |
| Title Company | DHI TITLE/FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,624.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3164 ROYAL TERN DR PORT CHARLOTTE FL 33981, PORT CHARLOTTE, FL 33981 |
| Document Number | 112930802 |
|---|---|
| Date | Jul 09, 2020 |
| Book Page | 011293/000802 |
| Instrument | 137282 |
| Name | EQUITY PRIME MTG |
|---|---|
| Address | ATLANTA, GA 30328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 08, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 10, 2020 |
| Property Address | 3164 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305 |
| Document Number | 0111032171 |
| Book / Page | 011103 / 002171 |
| Instrument Date | Jan 09, 2020 |
| Instrument | 7457 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,250.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6200 LEE VISTA BLVD #400 ORLANDO FL 328225149, 400, ORLANDO, FL 32822-5149 |
Source: Polk County assessment roll as of June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,999.00 (-28.56%) Homeowner's exemption | $203,847 (+5.99%) | $242,879 (-10.32%) Land $58,000 Building $184,879 |
| 2023 | $4,198.00 (+6.33%) Homeowner's exemption | $192,332 (+3%) | $270,829 (+13.18%) Land $56,000 Building $214,829 |
| 2022 | $3,948.00 Homeowner's exemption | $186,730 | $239,282 Land $46,000 Building $193,282 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), as of October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050128021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 Record 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 |
|
| Wildfire Risk | Moderate above 60% of the US · lower than 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, 91 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
Source: EPA Safe Drinking Water Information System, water system FL6531992, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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