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3172 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3172 Royal Tern Dr, Winter Haven, FL 33881 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,867 sqft · built 2020
Lot Size0.132 acres (5,754 sqft)
OwnerIndividual Name on File
Last Sale$227,990 (Jul 2020)
Tax Bill$4,524 (2025)
Deeds & MortgagesMar 2024 Mortgage
Sep 2022 Transfer
+ 2 more
Flood ZoneZone X (minimal risk)
APN26-28-12-531504-001860

Property Details

APN / Parcel Number

Primary APN26-28-12-531504-001860
Alternative APNs
  • 122826531504001860
  • 22826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,867 sqft Living Area
Gross Area2,287 sqft
1st Floor Area1,867 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area5,754 sqft (0.132 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch
Porch Area108 sqft

Location & Zoning

Street Address3172 ROYAL TERN DR
CityWINTER HAVEN
StateFL
Zip33881-7305
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKESIDE LANDINGS PHASE 3 PB 168 PGS 5-7 LOT 186
Legal Range26E
Legal Township28S
Legal Section12
Legal SubdivisionLAKESIDE LANDINGS PHASE 3
Legal Phase3
Legal Block1
Legal Lot Number186
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1036
Census Tract12802

Owner

Source: Polk County records · APN 26-28-12-531504-001860

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address3172 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 11, 2024Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Sep 13, 2022Quit Claim Deed, Transfer
Quitclaim
Jul 23, 2020Grant Deed, Subdivision Related Transfer · FHA Mortgage
EQUITY PRIME MTG
Jan 10, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 23, 2020 · Amount on Record
Deed SaleJul 23, 2020 · Amount on Record
Prior SaleJan 10, 2020 · Amount on Record
Deed Document Number2020147853
Deed Book / Page11308 / 1313
Last Transfer DateSep 12, 2022
Transfer Doc0000248810
Record UpdatedSep 20, 2026

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address3172 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Transaction TypeMortgage
Record UpdatedMar 25, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address3172 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305

Mortgage

Document Number0000055974
DateMar 11, 2024
Book Page13035/751
Instrument2024055974
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term317 Months
DueAug 01, 2050

September 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateSep 13, 2022
Property Address3172 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number0000248810
Book / Page12417 / 1973
Map ReferenceMB 168 PG 5-7
Instrument DateSep 12, 2022
Instrument2022248810
Transaction TypeTransfer
Record UpdatedSep 26, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3172 ROYAL FRNN DR, 3172, WINTER HAVEN, FL 33801

Transferred To (Grantee/Buyer)

NameVerified Name
Address3172 ROYAL FRNN DR, WINTER HAVEN, FL 33881

July 2020: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateJul 23, 2020
Property Address3172 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number0113081313
Book / Page011308 / 001313
Instrument DateJul 17, 2020
Instrument147853
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 07, 2020
Title CompanyDHI TITLE/FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,596.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3172 ROYAL TERN DR WINTER HAVEN FL 338817305, WINTER HAVEN, FL 33881-7305

Mortgage

Document Number113081314
DateJul 23, 2020
Book Page011308/001314
Instrument147854
Lender
NameEQUITY PRIME MTG
AddressATLANTA, GA 30328
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 22, 2050

January 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateJan 10, 2020
Property Address3172 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number0111032171
Book / Page011103 / 002171
Instrument DateJan 09, 2020
Instrument7457
Transaction TypeTransfer
Record UpdatedJan 30, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$5,250.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address6200 LEE VISTA BLVD #400 ORLANDO FL 328225149, 400, ORLANDO, FL 32822-5149

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,524.00 (-30.09%)$241,996 (-10.32%) Land $58,000 Building $183,996$241,996 (-10.32%) Land $58,000 Building $183,996
2023$6,471.00 (+31.12%)$269,842 (+13.09%) Land $56,000 Building $213,842$269,842 (+13.09%) Land $56,000 Building $213,842
2022$4,935.00 Homeowner's exemption$238,612 Land $46,000 Building $192,612$238,612 Land $46,000 Building $192,612

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050128021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 35 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies35 in force
Nearby Flood Claims13 (1998–2022)
Claims Outside the SFHA5 of 13
Most Recent ClaimSep 2022, other causes, Hurricane Ian
Claims By Storm
  • Hurricane Frances, Sep 2004 · 8 claims

Wildfire

Wildfire RiskModerate
above 61% of the US · above 34% of Florida
Wildfire LikelihoodAbout 1 in 602 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 91 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
SpectrumCable1,000 / 1,000

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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