3220 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3220 Royal Tern Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,725 sqft · built 2020
Lot Size	0.132 acres (5,754 sqft)
Owner	2 Individual Names on File
Last Sale	$215,990 (Jun 2020)
Tax Bill	$2,846 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Nov 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-28-12-531504-001980`

Property Details

APN / Parcel Number

Primary APN	`26-28-12-531504-001980`
Alternative APNs	`122826531504001980` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,725 sqft Living Area
Gross Area	2,220 sqft
1st Floor Area	1,725 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	5,754 sqft (0.132 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	399 sqft
Porch	Florida Room
Porch Area	48 sqft

Location & Zoning

Street Address	3220 ROYAL TERN DR
City	WINTER HAVEN
State	FL
Zip	33881-7303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESIDE LANDINGS PHASE 3 PB 168 PGS 5-7 LOT 198
Legal Range	26E
Legal Township	28S
Legal Section	12
Legal Subdivision	LAKESIDE LANDINGS PHASE 3
Legal Phase	3
Legal Block	1
Legal Lot Number	198
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1036
Census Tract	12802

Owner

Source: Polk County assessment roll, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3220 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage EQUITY PRIME MTG
Nov 19, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 19, 2020 · Amount on Record
Deed Sale	Jun 19, 2020 · Amount on Record
Deed Document Number	2020123215
Deed Book / Page	11272 / 682
Record Updated	Sep 20, 2026

June 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jun 19, 2020
Property Address	3220 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303
Document Number	0112720682
Book / Page	011272 / 000682
Instrument Date	Jun 17, 2020
Instrument	123215
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 10, 2020
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,512.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3220 ROYAL TERN DR WINTER HAVEN FL 338817303, WINTER HAVEN, FL 33881-7303

Mortgage

Document Number	112720683
Date	Jun 19, 2020
Book Page	011272/000683
Instrument	123216

Lender

Name	EQUITY PRIME MTG
Address	ATLANTA, GA 30328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2050

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Nov 19, 2019
Property Address	3220 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303
Document Number	0110451560
Book / Page	011045 / 001560
Instrument Date	Nov 15, 2019
Instrument	245180
Transaction Type	Transfer
Record Updated	Dec 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$5,212.90
Additional	Arm's Length Multiple Parcels

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 assessment roll, as of June 23, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,846.00 (-29.78%) Homeowner's exemption	$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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 35 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	13 (1998–2022)
Claims Outside the SFHA	5 of 13
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Frances, Sep 2004 · 8 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 47% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992
Water Source	Groundwater
Last State Inspection	Dec 2021
Lead	7 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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