3180 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3180 Royal Tern Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,867 sqft · built 2020
Lot Size	0.139 acres (6,042 sqft)
Owner	2 Individual Names on Record
Last Sale	$314,000 (Jan 2023)
Tax Bill	$3,716 (2025)
Deeds & Mortgages	May 2024 Transfer Jan 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-12-531504-001880`

Property Details

APN / Parcel Number

Primary APN	`26-28-12-531504-001880`
Alternative APNs	`122826531504001880` `22826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,867 sqft Living Area
Gross Area	2,287 sqft
1st Floor Area	1,867 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	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	6,042 sqft (0.139 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	113 sqft

Location & Zoning

Street Address	3180 ROYAL TERN DR
City	WINTER HAVEN
State	FL
Zip	33881-7305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEED APPEARS IN ERROR LAKESIDE LANDINGS PHASE 3 PB 168 PGS 5-7 LOT 188
Legal Range	26E
Legal Township	28S
Legal Section	12
Legal Subdivision	LAKESIDE LANDINGS PHASE 3
Legal Phase	3
Legal Block	1
Legal Lot Number	188
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1036
Census Tract	12802

Owner

Source: Polk County records, as of September 28, 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 Record
Mailing Address	3180 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2024	Quit Claim Deed, Transfer Quitclaim
Jan 6, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 20, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 9, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 3, 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 Names on Deed
Last Sale	Jan 6, 2023 · Amount on Record
Deed Sale	Jan 6, 2023 · Amount on Record
Prior Sale	Jun 3, 2020 · Amount on Record
Deed Document Number	20234390
Deed Book / Page	12543 / 319
Last Transfer Date	Apr 9, 2024
Transfer Doc	0000102973
Record Updated	Oct 29, 2026

May 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	May 3, 2024
Property Address	3180 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number	0000102973
Book / Page	13102 / 2074
Instrument Date	Apr 9, 2024
Instrument	2024102973
Transaction Type	Transfer
Record Updated	May 14, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3138 29TH ST, LONG ISLAND CITY, NY 11106-3338

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3180 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 6, 2023
Property Address	3180 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number	0000004390
Book / Page	12543 / 319
Map Reference	MB 168 PG 5-7
Instrument Date	Jan 3, 2023
Instrument	2023004390
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,198.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	176 MOMING DEW CT, WINTER HAVEN, FL 33884

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3180 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305

Mortgage

Document Number	0012543321
Date	Jan 6, 2023
Instrument	12543/321

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3180 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3180 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305

Mortgage

Document Number	0000100866
Date	Apr 20, 2021
Book Page	11677/1372
Instrument	2021100866

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jun 1, 2050

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3180 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3180 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305

Mortgage

Document Number	0000320641
Date	Dec 9, 2021
Book Page	12019/616
Instrument	20210320641

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Jun 1, 2050

June 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jun 3, 2020
Property Address	3180 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number	0112522223
Book / Page	011252 / 002223
Instrument Date	May 29, 2020
Instrument	110143
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 22, 2020
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,589.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3180 ROYAL TERN DR WINTER HAVEN FL 338817305, WINTER HAVEN, FL 33881-7305

Mortgage

Document Number	112522224
Date	Jun 3, 2020
Book Page	011252/002224
Instrument	110144

Lender

Name	EQUITY PRIME MTG
Address	ATLANTA, GA 30328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 2, 2050

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jan 10, 2020
Property Address	3180 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 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 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		$237,162 (-2.08%) Land $58,000 Building $179,162	$237,162 (-2.08%) Land $58,000 Building $179,162
2025	$3,716.00 (-29.43%)	$242,198 (-10.32%) Land $58,000 Building $184,198	$242,198 (-10.32%) Land $58,000 Building $184,198
2024	$5,266.00 (-18.68%)
2023	$6,476.00 (+64.45%)	$270,067 (+45.03%) Land $56,000 Building $214,067	$270,067 (+13.11%) Land $56,000 Building $214,067
2022	$3,938.00 Homeowner's exemption	$186,219	$238,765 Land $46,000 Building $192,765

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

Flood

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 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	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

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

Wildfire Risk	Moderate above 67% of the US · above 47% 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 205 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