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3208 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3208 Royal Tern Dr, Winter Haven, FL 33881 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,867 sqft · built 2020
Lot Size0.14 acres (6,098 sqft)
OwnerIndividual Name on File
Last Sale$240,990 (Dec 2020)
Tax Bill$2,988 (2025)
Deeds & MortgagesDec 2020 Sale & Mortgage
Jan 2020 Sale
Flood ZoneZone X (minimal risk)
APN26-28-12-531504-001950

Property Details

APN / Parcel Number

Primary APN26-28-12-531504-001950
Alternative APNs
  • 122826531504001950
  • 22826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,867 sqft Living Area
Gross Area2,287 sqft
1st Floor Area1,867 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area6,098 sqft (0.14 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch
Porch Area113 sqft

Location & Zoning

Street Address3208 ROYAL TERN DR
CityWINTER HAVEN
StateFL
Zip33881-7303
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKESIDE LANDINGS PHASE 3 PB 168 PGS 5-7 LOT 195
Legal Range26E
Legal Township28S
Legal Section12
Legal SubdivisionLAKESIDE LANDINGS PHASE 3
Legal Phase3
Legal Block1
Legal Lot Number195
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group1
Census Block1036
Census Tract12802

Owner

Source: Polk County records · APN 26-28-12-531504-001950

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 Address3208 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 10, 2020Grant Deed, Subdivision Related Transfer · FHA Mortgage
AMERICAN BANCSHARES MTG
Jan 10, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 10, 2020 · Amount on Record
Deed SaleDec 10, 2020 · Amount on Record
Prior SaleJan 10, 2020 · Amount on Record
Deed Document Number2020266876
Deed Book / Page11490 / 607
Record UpdatedSep 20, 2026

December 2020: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateDec 10, 2020
Property Address3208 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303
Document Number0114900607
Book / Page011490 / 000607
Instrument DateDec 07, 2020
Instrument266876
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 24, 2020
Title CompanyDHI TITLE/FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,687.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3208 ROYAL TERN DR WINTER HAVEN FL 338817303, WINTER HAVEN, FL 33881-7303

Mortgage

Document Number114900608
DateDec 10, 2020
Book Page011490/000608
Instrument266877
Lender
NameAMERICAN BANCSHARES MTG
TypeBank
AddressMIAMI LAKES, FL 33016
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 09, 2050

January 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateJan 10, 2020
Property Address3208 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303
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$2,988.00 (-28.65%) Homeowner's exemption$203,289 (+5.99%)$242,198 (-10.32%) Land $58,000 Building $184,198
2023$4,188.00 (+6.35%) Homeowner's exemption$191,806 (+3%)$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

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
Flood Insurance CostPremium on Record
median of 35 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies35 in force
33 of 35 on primary residences
Nearby Flood Claims13 (1998–2022)
Claims Outside the SFHA5 of 13
Most Recent ClaimSep 2022, other causes, Hurricane Ian
Flood Events
  • 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.

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