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3184 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3184 Royal Tern Dr, Winter Haven, FL 33881 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,725 sqft · built 2020
Lot Size0.151 acres (6,560 sqft)
Owner2 Individual Names on File
Last Sale$263,500 (Apr 2025)
Tax Bill$2,846 (2025)
Deeds & MortgagesJun 2020 Mortgage
Jan 2020 Sale
Flood ZoneZone X (minimal risk)
APN26-28-12-531504-001890

Property Details

APN / Parcel Number

Primary APN26-28-12-531504-001890
Alternative APNs
  • 122826531504001890
  • 22826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,725 sqft Living Area
Gross Area2,220 sqft
1st Floor Area1,725 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area6,560 sqft (0.151 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area399 sqft
PorchFlorida Room
Porch Area48 sqft

Location & Zoning

Street Address3184 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 189
Legal Range26E
Legal Township28S
Legal Section12
Legal SubdivisionLAKESIDE LANDINGS PHASE 3
Legal Phase3
Legal Block1
Legal Lot Number189
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1036
Census Tract12802

Owner

Source: Polk County records · APN 26-28-12-531504-001890

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 Record2 Individual Names on File
Mailing Address3184 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

Deeds, Mortgages & Sale History

DateDocument
Jun 30, 2020Deed of Trust, Mortgage · FHA Mortgage
EQUITY PRIME MTG
Jan 10, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 04, 2025 · Amount on Record
Deed SaleApr 04, 2025 · Amount on Record
Prior SaleJul 07, 2020 · Amount on Record
Deed Document Number202577933
Deed Book / Page13496 / 195
Record UpdatedSep 20, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address3184 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number0112900037
Instrument DateJun 30, 2020
Transaction TypeMortgage
Record UpdatedJul 30, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address5405 POINTE VISTA CIR #302 ORLANDO FL 328398421, 302, ORLANDO, FL 32839-8421

Mortgage

Document Number0112900037
DateJul 07, 2020
Book Page011290/000037
Instrument135284
Lender
NameEQUITY PRIME MTG
AddressATLANTA, GA 30328
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 06, 2050

January 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateJan 10, 2020
Property Address3184 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 June 23, 2026 · Last verified July 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$2,846.00 (-29.78%)$195,699 (+5.99%)$233,332 (-10.13%) Land $58,000 Building $175,332
2023$4,053.00 (+6.49%) Homeowner's exemption$184,645 (+3%)$259,641 (+13.54%) Land $56,000 Building $203,641
2022$3,806.00 Homeowner's exemption$179,267$228,688 Land $46,000 Building $182,688

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 68% of the US · above 47% of Florida
Wildfire LikelihoodAbout 1 in 495 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 205 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.

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