3196 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3196 Royal Tern Dr, Winter Haven, FL 33881 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2020
Square Footage	1,867 sqft Living Area
Lot Size	6,098 sqft (0.14 acres)
Garage	Attached, 420 sqft
Last Sale	$310,000 (2023)
Tax Bill	$4,524.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`26-28-12-531504-001920`
Alternative APNs	`122826531504001920` `22826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,867 sqft Living Area
Gross Area	2,287 sqft Gross Area
1st Floor	1,867 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Hip Roof Construction
Roof Material	Other (not Classified) Roof
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached Garage
Garage Area	420 sqft Garage
Porch Area	108 sqft Porch

Location & Zoning

Street Address	3196 ROYAL TERN DR
City	WINTER HAVEN
State	FL
Zip	33881-7305
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LAKESIDE LANDINGS PHASE 3 PB 168 PGS 5-7 LOT 192
Legal Range	26E
Legal Township	28S
Legal Section	12
Legal Subdivision	LAKESIDE LANDINGS PHASE 3
Legal Phase	3
Legal Block	1
Legal Lot Number	192
Jurisdiction	POLK FL
Minor Civil Division	WINTER HAVEN-AUBURNDALE
Census Blockgroup	1
Census Block	1036
Census Tract	12802

Owner

Source: Polk County records · APN 26-28-12-531504-001920

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	Individual Name on File
Mailing Address	4029 ANDOVER CAY BLVD, ORLANDO, FL 32825-2704
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Apr 04, 2023	Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Sep 01, 2020	Grant Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage DHI MTG
Jan 10, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 04, 2023 · Amount on Record
Deed Sale	Apr 04, 2023 · Amount on Record
Prior Sale	Sep 01, 2020 · Amount on Record
Deed Doc Number	202377368
Deed Book / Page	12640 / 47
Record Refreshed	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 04, 2023
Property Address	3196 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number	0000077368
Book / Page	12640 / 47
Map Reference	MB 168 PG 5-7
Instrument Date	Mar 31, 2023
Instrument	2023077368
Transaction Type	Transfer
Record Updated	Apr 20, 2023
Title Company	RED DOOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 291, LAKE ALFRED, FL 33850-0291

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4029 ANDOVER CAY BLVD, ORLANDO, FL 32825-2704

Mortgage

Document Number	0001264049
Date	Apr 04, 2023
Instrument	12640/49

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2053

September 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Sep 01, 2020
Property Address	3196 ROYAL TERN DR, WINTER HAVEN, FL 33881-7305
Document Number	0113580548
Book / Page	011358 / 000548
Instrument Date	Aug 27, 2020
Instrument	180290
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 23, 2020
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,603.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3196 ROYAL TERN DR WINTER HAVEN FL 338817305, WINTER HAVEN, FL 33881-7305

Mortgage

Document Number	113580549
Date	Sep 01, 2020
Book Page	011358/000549
Instrument	180291

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2050

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jan 10, 2020
Property Address	3196 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	Arms Length Transaction Multiple parcels conveyed, unknown impact to APN

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,524.00 (+42.62%)	$241,996 (+75.35%) Land $58,000 Building $183,996	$241,996 (-10.32%) Land $58,000 Building $183,996
2023	$3,172.00 (+7.74%)	$138,011 (+3%)	$269,842 (+13.09%) Land $56,000 Building $213,842
2022	$2,944.00 Homeowner's exemption	$133,991	$238,612 Land $46,000 Building $192,612

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 68% of the US · above 47% of Florida
Wildfire Likelihood	About 1 in 495 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

3196 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2020: Grant Deed, Subdivision Related Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2020: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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