354 Terranova Blvd, Winter Haven, FL 33884 Property Records

Polk County property record for 354 Terranova Blvd, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,035 sqft · built 2003
Lot Size	0.246 acres (10,724 sqft)
Owner	2 Individual Names on Record
Last Sale	$219,000 (Oct 2020)
Tax Bill	$3,164 (2025)
Deeds & Mortgages	Oct 2020 Sale & Line of Credit Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-14-687805-001260`

Property Details

APN / Parcel Number

Primary APN	`26-29-14-687805-001260`
Alternative APNs	`142926687805001260` `42926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,035 sqft Living Area
Gross Area	2,455 sqft
1st Floor Area	2,035 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	10,724 sqft (0.246 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Screened/Unfinished Porch
Porch Area	356 sqft

Location & Zoning

Street Address	354 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 126
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	126
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4020
Census Tract	14501

Owner

Source: Polk County records, as of September 28, 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 Record
Mailing Address	354 TERRANOVA BLVD, WINTER HAVEN, FL 33884-3426
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2020	Warranty Deed, Transfer · Line of Credit BANK OF CTRL FL
Oct 25, 2019	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2020 · Amount on Record
Deed Sale	Oct 13, 2020 · Amount on Record
Prior Sale	Jun 24, 2016 · Amount on Record
Deed Document Number	2020216013
Deed Book / Page	11411 / 2034
Last Transfer Date	Dec 3, 2024
Transfer Doc	0000280406
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 13, 2020
Property Address	354 TERRANOVA BLVD, WINTER HAVEN, FL 33884-3426
Document Number	0114112034
Book / Page	011411 / 002034
Instrument Date	Oct 9, 2020
Instrument	216013
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	RIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,533.00
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	354 TERRANOVA BLVD WINTER HAVEN FL 338843426, WINTER HAVEN, FL 33884-3426

Mortgage

Document Number	114112036
Date	Oct 13, 2020
Book Page	011411/002036
Instrument	216014

Lender

Name	BANK OF CTRL FL
Type	Bank
Address	LAKELAND, FL 33813

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	354 TERRANOVA BLVD, WINTER HAVEN, FL 33884-3426
Document Number	0110501461
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 12, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	354 TERRANOVA BLVD WINTER HAVEN FL 338843426, WINTER HAVEN, FL 33884-3426

Mortgage

Document Number	0110501461
Date	Nov 22, 2019
Book Page	011050/001461
Instrument	248503

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2049

Tax Assessment & Valuation

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		$218,439 (+2.7%)	$255,487 (-3.96%) Land $50,000 Building $205,487
2025	$3,164.00 (+6.14%) Homeowner's exemption	$212,696 (+5.99%)	$266,020 (-0.56%) Land $50,000 Building $216,020
2023	$2,981.00 (+3.04%) Homeowner's exemption	$200,682 (+3%)	$267,516 (+10.18%) Land $48,000 Building $219,516
2022	$2,893.00 Homeowner's exemption	$194,837	$242,790 Land $40,000 Building $202,790

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

Flood

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 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	Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 2 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 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

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

Wildfire Risk	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 341 locations within half a mile, as of December 31, 2025

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.

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