Polk County property record for 3228 Royal Tern Dr, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,725 sqft · built 2020 |
| Lot Size | 0.139 acres (6,042 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,990 (Dec 2020) |
| Tax Bill | $3,532 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Nov 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-12-531504-002000 |
| Primary APN | 26-28-12-531504-002000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,725 sqft Living Area |
| Gross Area | 2,124 sqft |
| 1st Floor Area | 1,725 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 6,042 sqft (0.139 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 144 sqft |
| Street Address | 3228 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 200 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 12 |
| Legal Subdivision | LAKESIDE LANDINGS PHASE 3 |
| Legal Phase | 3 |
| Legal Block | 1 |
| Legal Lot Number | 200 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 12802 |
Source: Polk County records · APN 26-28-12-531504-002000
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 | 3228 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 04, 2020 | Grant Deed, Subdivision Related Transfer · FHA Mortgage PARAMOUNT RESID'L MTG |
| Nov 19, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 04, 2020 · Amount on Record |
| Deed Sale | Dec 04, 2020 · Amount on Record |
| Prior Sale | Nov 19, 2019 · Amount on Record |
| Deed Document Number | 2020259331 |
| Deed Book / Page | 11478 / 1365 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 04, 2020 |
| Property Address | 3228 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303 |
| Document Number | 0114781365 |
| Book / Page | 011478 / 001365 |
| Instrument Date | Nov 24, 2020 |
| Instrument | 259331 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 24, 2020 |
| Title Company | DHI TITLE/FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,617.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3228 ROYAL TERN DR WINTER HAVEN FL 338817303, WINTER HAVEN, FL 33881-7303 |
| Document Number | 114781366 |
|---|---|
| Date | Dec 04, 2020 |
| Book Page | 011478/001366 |
| Instrument | 259332 |
| Name | PARAMOUNT RESID'L MTG |
|---|---|
| Type | Mortgage Company |
| Address | 1265 CORONA POINTE CT # 301, CORONA, CA 92879-1799 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 03, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 19, 2019 |
| Property Address | 3228 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 09, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,212.90 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6200 LEE VISTA BLVD #400 ORLANDO FL 328225149, 400, ORLANDO, FL 32822-5149 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,532.00 (-29.36%) Homeowner's exemption | $232,369 (-1.03%) Land $58,000 Building $174,369 | $232,369 (-10.13%) Land $58,000 Building $174,369 |
| 2023 | $5,000.00 (+5.66%) Homeowner's exemption | $234,796 (+3%) | $258,564 (+13.43%) Land $56,000 Building $202,564 |
| 2022 | $4,732.00 Homeowner's exemption | $227,957 Land $46,000 Building $181,957 | $227,957 Land $46,000 Building $181,957 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
|
| 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 |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
Based on FCC filings for 205 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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