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481 Terranova St, Winter Haven, FL 33884 Property Records

Polk County property record for 481 Terranova St, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,341 sqft · built 2003
Lot Size0.239 acres (10,420 sqft)
OwnerIndividual Name on Record
Last Sale$305,000 (Dec 2020)
Tax Bill$3,272 (2025)
Deeds & MortgagesDec 2020 Sale & Mortgage
Nov 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-14-687805-001610

Property Details

APN / Parcel Number

Primary APN26-29-14-687805-001610
Alternative APNs
  • 142926687805001610
  • 42926000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,341 sqft Living Area
Gross Area2,803 sqft
1st Floor Area2,341 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area10,420 sqft (0.239 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area462 sqft

Exterior Amenities

Pool TypeEnclosed Pool
Pool Area352 sqft
PorchScreened/Unfinished Porch
Porch Area220 sqft

Location & Zoning

Street Address481 TERRANOVA ST
CityWINTER HAVEN
StateFL
Zip33884-3431
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTERRANOVA PHASE II PB 119 PGS 42 THRU 46 LOT 161
Legal Range26E
Legal Township29S
Legal Section14
Legal SubdivisionTERRANOVA PHASE II
Legal PhaseII
Legal Tract687805
Legal Block4
Legal Lot Number161
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4020
Census Tract14501

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 RecordIndividual Name on Record
Mailing Address481 TERRANOVA ST, WINTER HAVEN, FL 33884-3431
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 7, 2020Warranty Deed, Transfer · FHA Mortgage
CROSSCOUNTRY MTG
Nov 9, 2018Deed of Trust, Mortgage · Conventional Mortgage
SOUTHPOINT FIN'L SVCS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 7, 2020 · Amount on Record
Deed SaleDec 7, 2020 · Amount on Record
Prior SaleJan 24, 2014 · Amount on Record
Deed Document Number2020261154
Deed Book / Page11481 / 1378
Prior Transfer DateNov 17, 2014
Prior Transfer Doc0094070058
Record UpdatedOct 29, 2026

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateDec 7, 2020
Property Address481 TERRANOVA ST, WINTER HAVEN, FL 33884-3431
Document Number0114811378
Book / Page011481 / 001378
Instrument DateOct 30, 2020
Instrument261154
Transaction TypeTransfer
Record UpdatedDec 21, 2020
Title CompanyCELEBRATION TITLE GROUP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,135.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address481 TERRANOVA ST WINTER HAVEN FL 338843431, WINTER HAVEN, FL 33884-3431

Mortgage

Document Number114811384
DateDec 7, 2020
Book Page011481/001384
Instrument261156
Lender
NameCROSSCOUNTRY MTG
TypeMortgage Company
AddressBRECKSVILLE, OH 44141
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 6, 2050

November 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address481 TERRANOVA ST, WINTER HAVEN, FL 33884-3431
Document Number0106740392
Instrument DateNov 9, 2018
Transaction TypeMortgage
Record UpdatedDec 7, 2018
Title CompanyPROGRESSIVE LAND TITLE AGENCY, PROGRESSIVE LAND TITLE AGCY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address481 TERRANOVA ST WINTER HAVEN FL 338843431, WINTER HAVEN, FL 33884-3431

Mortgage

Document Number0106740392
DateNov 19, 2018
Book Page010674/000392
Instrument241427
Lender
NameSOUTHPOINT FIN'L SVCS
TypeFunding / Finance Company
AddressALPHARETTA, GA 30005
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 18, 2048

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$234,619 (+2.7%)$335,516 (+3.26%) Land $50,000 Building $285,516
2025$3,272.00 (+3.45%) Homeowner's exemption Disabled Person's exemption Widower's exemption$228,451 (+5.99%)$324,933 (-8.47%) Land $50,000 Building $274,933
2024$3,163.00 (+2.93%)
2023$3,073.00 (-2.41%) Homeowner's exemption$215,547 (+3%)$354,992 (+10.44%) Land $48,000 Building $306,992
2022$3,149.00 Homeowner's exemption$209,269$321,435 Land $40,000 Building $281,435

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 97 policies
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 · 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 RiskModerate
above 63% of the US · lower than 61% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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

ProviderMax 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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