Polk County property record for 407 Terranova St, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,534 sqft · built 2004 |
| Lot Size | 0.254 acres (11,047 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,400 (Oct 2004) |
| Tax Bill | $6,644 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-14-687807-002430 |
| Primary APN | 26-29-14-687807-002430 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,534 sqft Living Area |
| Gross Area | 3,018 sqft |
| 1st Floor Area | 2,534 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 11,047 sqft (0.254 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Pool Type | Enclosed Pool |
| Porch | Screened/Unfinished Porch |
| Porch Area | 336 sqft |
| Street Address | 407 TERRANOVA ST |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3431 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TERRANOVA PHASE III PLAT BOOK 124 PGS 23 THRU 27 LOT 243 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 14 |
| Legal Subdivision | TERRANOVA PHASE III |
| Legal Phase | III |
| Legal Tract | 687807 |
| Legal Block | 4 |
| Legal Lot Number | 243 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 14501 |
407 Terranova St is owned and occupied by two individuals who bought it in October 2004.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 407 TERRANOVA ST, WINTER HAVEN, FL 33884-3431 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2004 · Amount on File |
| Deed Sale | Oct 4, 2004 · Amount on File |
| Deed Document Number | 2004200220 |
| Deed Book / Page | 5939 / 1514 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 407 Terranova St was $6,644.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $360,373 (+1.41%) Land $50,000 Building $310,373 | $360,373 (+1.41%) Land $50,000 Building $310,373 | |
| 2025 | $6,644.00 | $355,353 Land $50,000 Building $305,353 | $355,353 Land $50,000 Building $305,353 |
| 2023 | $6,074.00 (+8.7%) | $356,768 (+8.65%) Land $48,000 Building $308,768 | $356,768 (+8.65%) Land $48,000 Building $308,768 |
| 2022 | $5,588.00 | $328,379 Land $40,000 Building $288,379 | $328,379 Land $40,000 Building $288,379 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 Terranova St in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 407 Terranova St is moderate, ranking above 63% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · lower than 61% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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