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3188 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3188 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 Size0.175 acres (7,606 sqft)
OwnerCompany Name on File
Last Sale$282,500 (Jan 2022)
Tax Bill$4,317 (2025)
Deeds & MortgagesJul 2022 Mortgage
Jan 2022 Sale
+ 3 more
Flood ZoneZone X (minimal risk)
APN26-28-12-531504-001900

Property Details

APN / Parcel Number

Primary APN26-28-12-531504-001900
Alternative APNs
  • 122826531504001900
  • 22826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,725 sqft Living Area
Gross Area2,124 sqft Gross Area
1st Floor Area1,725 sqft 1st Floor
Stories1 Story
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area7,606 sqft (0.175 acres)
Garage TypeAttached
Garage Area399 sqft Garage
PorchUnfinished Open Porch
Porch Area144 sqft Porch
View / LotCommercial/Industrial

Location & Zoning

Street Address3188 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 190
Legal Range26E
Legal Township28S
Legal Section12
Legal SubdivisionLAKESIDE LANDINGS PHASE 3
Legal Phase3
Legal Block1
Legal Lot Number190
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1036
Census Tract12802

Owner

Source: Polk County records · APN 26-28-12-531504-001900

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 RecordCompany Name on File
Mailing Address1850 PARKWAY PL SE, 900, MARIETTA, GA 30067-8261
Owner TypeCompany
VestingLimited Partnership

Deeds, Mortgages & Sale History

DateDocument
Jul 13, 2022Deed of Trust, Mortgage · Unknown
MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Jan 20, 2022Warranty Deed, Transfer
OS NATIONAL LLC
Dec 27, 2021Warranty Deed, Transfer
OS NATIONAL LLC
Jun 12, 2020Grant Deed, Subdivision Related Transfer · FHA Mortgage
DHI MTG
Nov 19, 2019Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 20, 2022 · Amount on Record
Deed SaleJan 20, 2022 · Amount on Record
Prior SaleDec 27, 2021 · Amount on Record
Deed Document Number202217318
Deed Book / Page12081 / 682
Record UpdatedSep 20, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address3188 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Transaction TypeMortgage
Record UpdatedAug 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000190824
DateJul 13, 2022
Book Page12336/868
Instrument2022190824
Lender
NameMORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
TypeMortgage Company
AddressDULUTH, GA 30096
Agreement
TypeUnknown
AmountAmount Recorded

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJan 20, 2022
Property Address3188 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number0000017318
Book / Page12081 / 682
Map ReferenceMB 168 PG 5-7
Instrument DateJan 18, 2022
Instrument2022017318
Transaction TypeTransfer
Record UpdatedAug 02, 2022
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
Tax$1,977.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

NameVerified Name
Address1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
InvestorPossibly a Property Investor

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateDec 27, 2021
Property Address3188 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number0000334845
Book / Page12042 / 164
Map ReferenceMB 168 PG 5-7
Instrument DateDec 08, 2021
Instrument2021334845
Transaction TypeTransfer
Record UpdatedAug 02, 2022
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
Tax$1,906.80
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address15212 QUAILMOOR ST, 15212, WINTER GARDEN, FL 34787-4690

Transferred To (Grantee/Buyer)

NameVerified Name
Address4100 N SCOTTSDALE RD #1600 # 1600, 1600, TEMPE, AZ 85288-1512
InvestorPossibly a Property Investor

June 2020: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateJun 12, 2020
Property Address3188 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number0112630468
Book / Page011263 / 000468
Instrument DateJun 05, 2020
Instrument116780
Transaction TypeSubdivision Related Transfer
Record UpdatedJul 01, 2020
Title CompanyDHI TITLE/FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,512.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3188 ROYAL TERN DR WINTER HAVEN FL 338817305, WINTER HAVEN, FL 33881-7305

Mortgage

Document Number112630469
DateJun 12, 2020
Book Page011263/000469
Instrument116781
Lender
NameDHI MTG
TypeMortgage Company
AddressAUSTIN, TX 78750
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 11, 2050

November 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateNov 19, 2019
Property Address3188 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number0110451560
Book / Page011045 / 001560
Instrument DateNov 15, 2019
Instrument245180
Transaction TypeTransfer
Record UpdatedDec 09, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$5,212.90
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$4,317.00 (-30.68%)$230,923 (-10.13%) Land $58,000 Building $172,923$230,923 (-10.13%) Land $58,000 Building $172,923
2023$6,228.00 (+12.32%)$256,945 (+12.72%) Land $56,000 Building $200,945$256,945 (+12.72%) Land $56,000 Building $200,945
2022$5,545.00$227,957 Land $46,000 Building $181,957$227,957 Land $46,000 Building $181,957

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

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; lenders make the official flood determination.

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