3176 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3176 Royal Tern Dr, Winter Haven, FL 33881 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,725 sqft · built 2020
Lot Size	0.139 acres (6,042 sqft)
Owner	2 Individual Names on File
Last Sale	$219,990 (Jul 2020)
Tax Bill	$2,832 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Jan 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-28-12-531504-001870`

Property Details

APN / Parcel Number

Primary APN	`26-28-12-531504-001870`
Alternative APNs	`122826531504001870` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,725 sqft Living Area
Gross Area	2,124 sqft
1st Floor Area	1,725 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
Roof Type	Hip
Roof Material	Other
Lot Area	6,042 sqft (0.139 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	399 sqft
Porch	Finished/Open Porch
Porch Area	144 sqft

Location & Zoning

Street Address	3176 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 187
Legal Range	26E
Legal Township	28S
Legal Section	12
Legal Subdivision	LAKESIDE LANDINGS PHASE 3
Legal Phase	3
Legal Block	1
Legal Lot Number	187
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1036
Census Tract	12802

Owner

Source: Polk County records · APN 26-28-12-531504-001870

Assessment roll updated 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	2 Individual Names on File
Mailing Address	3176 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 07, 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	2 Verified Names on Deed
Last Sale	Jul 07, 2020 · Amount on Record
Deed Sale	Jul 07, 2020 · Amount on Record
Prior Sale	Jan 10, 2020 · Amount on Record
Deed Document Number	2020135224
Deed Book / Page	11289 / 2069
Record Updated	Sep 20, 2026

July 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jul 07, 2020
Property Address	3176 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number	0112892069
Book / Page	011289 / 002069
Instrument Date	Jun 30, 2020
Instrument	135224
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 30, 2020
Title Company	DHI TITLE FLORIDA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
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	3176 ROYAL TERN DR WINTER HAVEN FL 338817305, WINTER HAVEN, FL 33881-7305

Mortgage

Document Number	112892070
Date	Jul 07, 2020
Book Page	011289/002070
Instrument	135225

Lender

Name	EQUITY PRIME MTG
Address	ATLANTA, GA 30328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 06, 2050

Mortgage

Document Number	112892083,
Date	Jul 07, 2020
Book Page	011289/002083
Instrument	135226

Lender

Name	EQUITY PRIME MTG
Address	ATLANTA, GA 30328

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jul 06, 2030

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jan 10, 2020
Property Address	3176 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

Transaction

Amount	Amount Recorded
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

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

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	$2,832.00 (-29.88%) Homeowner's exemption	$194,913 (+5.99%)	$232,369 (-10.13%) Land $58,000 Building $174,369
2023	$4,039.00 (+6.51%) Homeowner's exemption	$183,903 (+3%)	$258,564 (+13.43%) Land $56,000 Building $202,564
2022	$3,792.00 Homeowner's exemption	$178,547	$227,957 Land $46,000 Building $181,957

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 35 individual NFIP policies nearby
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, other causes, Hurricane Ian
Claims By Storm	Hurricane Frances, Sep 2004 · 8 claims

Wildfire

Wildfire Risk	Moderate above 61% of the US · above 34% of Florida
Wildfire Likelihood	About 1 in 602 per year
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.

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

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 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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