3292 Royal Tern Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 3292 Royal Tern Dr, Winter Haven, FL 33881 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,577 sqft · built 2020
Lot Size	0.243 acres (10,581 sqft)
Owner	Company Name on File
Last Sale	$335,000 (Sep 2021)
Tax Bill	$5,119 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Sep 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-12-531504-001590`

Property Details

APN / Parcel Number

Primary APN	`26-28-12-531504-001590`
Alternative APNs	`122826531504001590` `22826000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,577 sqft Living Area
Gross Area	3,017 sqft
1st Floor Area	1,088 sqft
Upper Floors Area	1,489 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	10,581 sqft (0.243 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft
Porch	Unfinished Open Porch
Porch Area	112 sqft

Location & Zoning

Street Address	3292 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 159
Legal Range	26E
Legal Township	28S
Legal Section	12
Legal Subdivision	LAKESIDE LANDINGS PHASE 3
Legal Phase	3
Legal Block	1
Legal Lot Number	159
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 26-28-12-531504-001590

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	Company Name on File
Mailing Address	1850 PARKWAY PL SE, 900, MARIETTA, GA 30067-8261
Owner Type	Company
Vesting	Limited Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2022	Deed of Trust, Mortgage · Commercial Mortgage MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Sep 14, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jul 23, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage EQUITY PRIME MTG
Mar 03, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 14, 2021 · Amount on Record
Deed Sale	Sep 14, 2021 · Amount on Record
Prior Sale	Jul 23, 2020 · Amount on Record
Deed Document Number	2021239521
Deed Book / Page	11891 / 44
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3292 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	OS NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000160196
Date	Jun 13, 2022
Book Page	12293/521
Instrument	2022160196

Lender

Name	MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Type	Mortgage Company
Address	NEW YORK, NY 10036

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 14, 2021
Property Address	3292 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303
Document Number	0000239521
Book / Page	11891 / 44
Map Reference	MB 168 PG 5-7
Instrument Date	Sep 02, 2021
Instrument	2021239521
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2292 ROSE BLVD, 2292, WINTER HAVEN, FL 33881-4389

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
Investor	Possibly a Property Investor

July 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jul 23, 2020
Property Address	3292 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303
Document Number	0113082242
Book / Page	011308 / 002242
Instrument Date	Jul 17, 2020
Instrument	148129
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 07, 2020
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,897.00
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	3292 ROYAL TERN DR WINTER HAVEN FL 338817303, WINTER HAVEN, FL 33881-7303

Mortgage

Document Number	113082243
Date	Jul 23, 2020
Book Page	011308/002243
Instrument	148130

Lender

Name	EQUITY PRIME MTG
Address	ATLANTA, GA 30328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2050

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Mar 03, 2020
Property Address	3292 ROYAL TERN DR, WINTER HAVEN, FL 33881-7303
Document Number	0111611237
Book / Page	011161 / 001237
Instrument Date	Feb 28, 2020
Instrument	49154
Transaction Type	Transfer
Record Updated	Mar 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,522.00
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	$5,119.00 (-21.91%)	$273,786 (-9.3%) Land $58,000 Building $215,786	$273,786 (-9.3%) Land $58,000 Building $215,786
2023	$6,555.00 (+13.78%)	$301,843 (+26.15%) Land $56,000 Building $245,843	$301,843 (+26.15%) Land $56,000 Building $245,843
2022	$5,761.00	$239,278 Land $46,000 Building $193,278	$239,278 Land $46,000 Building $193,278

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 62% of the US · above 36% of Florida
Wildfire Likelihood	About 1 in 543 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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