Polk County property record for 332 Terranova Blvd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,369 sqft · built 2005 |
| Lot Size | 0.38 acres (16,548 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Nov 2018) |
| Tax Bill | $3,363 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Nov 2018 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-14-687805-001160 |
| Primary APN | 26-29-14-687805-001160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,369 sqft Living Area |
| Gross Area | 3,081 sqft |
| 1st Floor Area | 2,369 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 16,548 sqft (0.38 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Porch | Florida Room |
| Porch Area | 256 sqft |
| Street Address | 332 TERRANOVA BLVD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3426 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TERRANOVA PHASE II PB 119 PGS 42 THRU 46 LOT 116 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 14 |
| Legal Subdivision | TERRANOVA PHASE II |
| Legal Phase | II |
| Legal Tract | 687805 |
| Legal Block | 4 |
| Legal Lot Number | 116 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 14501 |
Source: Polk County records · APN 26-29-14-687805-001160
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 332 TERRANOVA BLVD, WINTER HAVEN, FL 33884-3426 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 19, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK & TRUST |
| Nov 13, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Apr 05, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 13, 2018 · Amount on Record |
| Deed Sale | Nov 13, 2018 · Amount on Record |
| Prior Sale | Sep 09, 2014 · Amount on Record |
| Deed Document Number | 2018237366 |
| Deed Book / Page | 10668 / 2176 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 332 TERRANOVA BLVD, WINTER HAVEN, FL 33884-3426 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 332 TERRANOVA BLVD, WINTER HAVEN, FL 33884-3426 |
| Document Number | 0000253120 |
|---|---|
| Date | Sep 19, 2022 |
| Book Page | 12423/1554 |
| Instrument | 2022253120 |
| Name | CITIZENS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 13, 2018 |
| Property Address | 332 TERRANOVA BLVD, WINTER HAVEN, FL 33884-3426 |
| Document Number | 0106682176 |
| Book / Page | 010668 / 002176 |
| Instrument Date | Nov 09, 2018 |
| Instrument | 237366 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,100.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 1742 WINTER HAVEN FL 338821742, WINTER HAVEN, FL 33882-1742 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 332 TERRANOVA BLVD, WINTER HAVEN, FL 33884-3426 |
| Document Number | 0101150408 |
| Book / Page | 010115 / 000408 |
| Instrument Date | Apr 05, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 332 TERRANOVA BLVD WINTER HAVEN FL 338843426, WINTER HAVEN, FL 33884-3426 |
| Document Number | 0101150408 |
|---|---|
| Date | Apr 11, 2017 |
| Book Page | 010115/000408 |
| Instrument | 68153 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 10, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
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 | $3,363.00 (+6.26%) Homeowner's exemption | $228,352 (+5.99%) | $359,351 (+0.69%) Land $67,500 Building $291,851 |
| 2023 | $3,165.00 (+3.06%) Homeowner's exemption | $215,452 (+3%) | $356,885 (+12.38%) Land $66,000 Building $290,885 |
| 2022 | $3,071.00 Homeowner's exemption | $209,177 | $317,557 Land $55,500 Building $262,057 |
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 97 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 97 in force |
| Nearby Flood Claims | 8 (2004–2022) |
| Claims Outside the SFHA | 4 of 8 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | Moderate above 63% of the US · lower than 61% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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 | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 341 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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