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474 Terranova St, Winter Haven, FL 33884 Property Records

Polk County property record for 474 Terranova St, Winter Haven, FL 33884 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,230 sqft · built 2004
Lot Size0.298 acres (12,963 sqft)
Owner2 Individual Names on File
Last Sale$152,000 (Aug 2009)
Tax Bill$1,731 (2025)
Deeds & MortgagesSep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-14-687805-001120

Property Details

APN / Parcel Number

Primary APN26-29-14-687805-001120
Alternative APNs
  • 142926687805001120
  • 42926000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,230 sqft Living Area
Gross Area2,692 sqft
1st Floor Area2,230 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area12,963 sqft (0.298 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area462 sqft
PorchScreened/Unfinished Porch
Porch Area355 sqft

Location & Zoning

Street Address474 TERRANOVA ST
CityWINTER HAVEN
StateFL
Zip33884-3430
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTERRANOVA PHASE II PB 119 PGS 42 THRU 46 LOT 112
Legal Range26E
Legal Township29S
Legal Section14
Legal SubdivisionTERRANOVA PHASE II
Legal PhaseII
Legal Tract687805
Legal Block4
Legal Lot Number112
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4020
Census Tract14501

Owner

Source: Polk County records · APN 26-29-14-687805-001120

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 Record2 Individual Names on File
Mailing Address474 TERRANOVA ST, WINTER HAVEN, FL 33884-3430
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 10, 2009 · Amount on Record
Deed SaleAug 10, 2009 · Amount on Record
Prior SaleJun 01, 2009
Deed Document Number2009147244
Deed Book / Page7948 / 1188
Record UpdatedSep 20, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address474 TERRANOVA ST, WINTER HAVEN, FL 33884-3430
Document Number0113951045
Instrument DateSep 22, 2020
Transaction TypeMortgage
Record UpdatedOct 22, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address474 TERRANOVA ST WINTER HAVEN FL 338843430, WINTER HAVEN, FL 33884-3430

Mortgage

Document Number0113951045
DateSep 30, 2020
Book Page011395/001045
Instrument205138
Lender
NameJP MORGAN CHASE BK
TypeBank
AddressCOLUMBUS, OH 43240-2050
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 29, 2050

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,731.00 (+7.18%) Homeowner's exemption$136,069 (+5.99%)$285,451 (-0.63%) Land $50,000 Building $235,451
2023$1,615.00 (+3.66%) Homeowner's exemption$128,383 (+3%)$287,269 (+9.99%) Land $48,000 Building $239,269
2022$1,558.00 Homeowner's exemption$124,644$261,179 Land $40,000 Building $221,179

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 121050145014, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 97 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies97 in force
Nearby Flood Claims8 (2004–2022)
Claims Outside the SFHA4 of 8
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 2 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

Wildfire

Wildfire RiskModerate
above 63% of the US · above 39% of Florida
Wildfire LikelihoodAbout 1 in 389 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 341 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
AT&TFixed Wireless100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

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