3248 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3248 Royal Tern Dr, Winter Haven, FL 33881 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,851 sqft · built 2020
Lot Size	0.132 acres (5,754 sqft)
Owner	Individual Name on File
Last Sale	$227,990 (Jul 2020)
Tax Bill	$2,988 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Nov 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-28-12-531504-002050`

Property Details

APN / Parcel Number

Primary APN	`26-28-12-531504-002050`
Alternative APNs	`122826531504002050` `22826000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,851 sqft Living Area
Gross Area	2,380 sqft
1st Floor Area	1,851 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	441 sqft
Porch	Florida Room
Porch Area	16 sqft

Location & Zoning

Street Address	3248 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 205
Legal Range	26E
Legal Township	28S
Legal Section	12
Legal Subdivision	LAKESIDE LANDINGS PHASE 3
Legal Phase	3
Legal Block	1
Legal Lot Number	205
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1036
Census Tract	12802

Owner

Source: Polk County records · APN 26-28-12-531504-002050

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	3248 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage CALIBER HM LOANS
Nov 19, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 28, 2020 · Amount on Record
Deed Sale	Jul 28, 2020 · Amount on Record
Prior Sale	Nov 19, 2019 · Amount on Record
Deed Document Number	2020151207
Deed Book / Page	11313 / 1726
Record Updated	Sep 20, 2026

July 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jul 28, 2020
Property Address	3248 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303
Document Number	0113131726
Book / Page	011313 / 001726
Instrument Date	Jul 23, 2020
Instrument	151207
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 18, 2020
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,596.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3248 ROYAL TERN DR WINTER HAVEN FL 338817303, WINTER HAVEN, FL 33881-7303

Mortgage

Document Number	113131727
Date	Jul 28, 2020
Book Page	011313/001727
Instrument	151208

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Nov 19, 2019
Property Address	3248 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

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 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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,988.00 (-28.65%) Homeowner's exemption	$203,287 (+5.99%)	$242,253 (-10.3%) Land $58,000 Building $184,253
2023	$4,188.00 (+6.35%) Homeowner's exemption	$191,804 (+3%)	$270,060 (+13.3%) Land $56,000 Building $214,060
2022	$3,938.00 Homeowner's exemption	$186,217	$238,352 Land $46,000 Building $192,352

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 35 individual NFIP policies nearby
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, other causes, Hurricane Ian
Claims By Storm	Hurricane Frances, Sep 2004 · 8 claims

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 205 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 1,000

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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