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3192 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3192 Royal Tern Dr, Winter Haven, FL 33881 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2020
Square Footage2,696 sqft Living Area
Lot Size7,031 sqft (0.161 acres)
OccupancyOwner Occupied
Last Sale$262,990 (2020)
Tax Bill$5,243.00 (2025)

Property Details

APN / Parcel Number

Primary APN26-28-12-531504-001910
Alternative APNs
  • 122826531504001910
  • 22826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area2,696 sqft Living Area
Gross Area3,136 sqft Gross Area
1st Floor1,128 sqft 1st Floor
Upper Floors1,568 sqft Upper Floors
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area7,031 sqft (0.161 acres)
Garage TypeAttached Garage
Garage Area440 sqft Garage
Porch Area40 sqft Porch

Location & Zoning

Street Address3192 ROYAL TERN DR
CityWINTER HAVEN
StateFL
Zip33881-7305
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLAKESIDE LANDINGS PHASE 3 PB 168 PGS 5-7 LOT 191
Legal Range26E
Legal Township28S
Legal Section12
Legal SubdivisionLAKESIDE LANDINGS PHASE 3
Legal Phase3
Legal Block1
Legal Lot Number191
JurisdictionPOLK FL
Minor Civil DivisionWINTER HAVEN-AUBURNDALE
Census Blockgroup1
Census Block1036
Census Tract12802

Owner

Source: Polk County records · APN 26-28-12-531504-001910

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 RecordIndividual Name on File
Mailing Address3192 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jun 01, 2026Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
SERVICELINK
Apr 23, 2020Grant Deed, Subdivision Related Transfer
CALIBER HM LOANS
Nov 19, 2019Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 23, 2020 · Amount on Record
Deed SaleApr 23, 2020 · Amount on Record
Prior SaleNov 19, 2019 · Amount on Record
Deed Doc Number202084955
Deed Book / Page11215 / 66
Record RefreshedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Recording DateJun 01, 2026
Property Address3192 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number0000128953
Book / Page14018 / 261
Instrument DateMay 11, 2026
Instrument2026128953
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address3192 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305

Mortgage

Document Number0000128953,
DateJun 01, 2026
Book Page14018/261
Instrument2026128953
Lender
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term287 Months
DueMay 01, 2050
Interest
Rate6.37%
Max Rate-1%

April 2020: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateApr 23, 2020
Property Address3192 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number0112150066
Book / Page011215 / 000066
Instrument DateApr 21, 2020
Instrument84955
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 13, 2020
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,841.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address3192 ROYAL TERN DR WINTER HAVEN FL 338817305, WINTER HAVEN, FL 33881-7305

Mortgage

Document Number112150067
DateApr 23, 2020
Book Page011215/000067
Instrument84956
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
AmountAmount Recorded
Term360 Months
DueApr 22, 2050

November 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateNov 19, 2019
Property Address3192 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
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

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$5,243.00 (-18.26%)$280,425 (-9.38%) Land $58,000 Building $222,425$280,425 (-9.38%) Land $58,000 Building $222,425
2023$6,414.00 (+13.97%)$309,448 (+26.11%) Land $56,000 Building $253,448$309,448 (+26.11%) Land $56,000 Building $253,448
2022$5,628.00$245,373 Land $46,000 Building $199,373$245,373 Land $46,000 Building $199,373

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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