3288 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3288 Royal Tern Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,690 sqft · built 2020
Lot Size	0.132 acres (5,728 sqft)
Owner	Individual Name on File
Last Sale	$232,990 (Mar 2021)
Tax Bill	$3,501 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Jul 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-28-12-531504-001580`

Property Details

APN / Parcel Number

Primary APN	`26-28-12-531504-001580`
Alternative APNs	`122826531504001580` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,690 sqft Living Area
Gross Area	2,131 sqft
1st Floor Area	1,690 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
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,728 sqft (0.132 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch
Porch Area	136 sqft

Location & Zoning

Street Address	3288 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 158
Legal Range	26E
Legal Township	28S
Legal Section	12
Legal Subdivision	LAKESIDE LANDINGS PHASE 3
Legal Phase	3
Legal Block	1
Legal Lot Number	158
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1036
Census Tract	12802

Owner

3288 Royal Tern Dr is owned and occupied by an individual who bought it in March 2021.

Source: Polk County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	3288 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage BROKER SOLUTIONS INC
Jul 22, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2021 · Amount on File
Deed Sale	Mar 10, 2021 · Amount on File
Prior Sale	Jul 22, 2020 · Amount on File
Deed Document Number	202160566
Deed Book / Page	11615 / 555
Record Updated	Oct 29, 2026

March 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 10, 2021
Property Address	3288 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303
Document Number	0000060566
Book / Page	11615 / 555
Map Reference	MB 168 PG 5-7
Instrument Date	Mar 5, 2021
Instrument	2021060566
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 2, 2022
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,631.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10192 DOWDEN RD, 10192, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3288 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303

Mortgage

Document Number	0011615556
Date	Mar 10, 2021
Instrument	11615/556

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jul 22, 2020
Property Address	3288 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303
Document Number	0113071304
Book / Page	011307 / 001304
Instrument Date	Jul 15, 2020
Instrument	147148
Transaction Type	Transfer
Record Updated	Aug 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$5,975.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10192 DOWDEN RD ORLANDO FL 328325128, ORLANDO, FL 32832-5128

Tax Assessment & Valuation

The 2025 property tax bill for 3288 Royal Tern Dr was $3,501 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 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
2026		$226,041 (-2.03%) Land $58,000 Building $168,041	$226,041 (-2.03%) Land $58,000 Building $168,041
2025	$3,501.00 Homeowner's exemption	$230,726 Land $58,000 Building $172,726	$230,726 Land $58,000 Building $172,726
2023	$4,962.00 (+5.69%) Homeowner's exemption	$232,788 (+3%)	$256,603 (+13.54%) Land $56,000 Building $200,603
2022	$4,695.00 Homeowner's exemption	$226,008 Land $46,000 Building $180,008	$226,008 Land $46,000 Building $180,008

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

Flood

FEMA maps place 3288 Royal Tern Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 3288 Royal Tern Dr is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · lower than 64% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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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