482 Terranova St, Winter Haven, FL 33884 Property Records

Polk County property record for 482 Terranova St, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,858 sqft · built 2005
Lot Size	0.253 acres (11,034 sqft)
Owner	2 Individual Names on File
Last Sale	$159,900 (Jun 2015)
Tax Bill	$1,424 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Feb 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-14-687805-001460`

Property Details

APN / Parcel Number

Primary APN	`26-29-14-687805-001460`
Alternative APNs	`142926687805001460` `42926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,858 sqft Living Area
Gross Area	2,257 sqft
1st Floor Area	1,858 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	11,034 sqft (0.253 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	399 sqft
Porch	Unfinished Open Porch
Porch Area	44 sqft

Location & Zoning

Street Address	482 TERRANOVA ST
City	WINTER HAVEN
State	FL
Zip	33884-3430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TERRANOVA PHASE II PB 119 PGS 42 THRU 46 LOT 146
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	146
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4023
Census Tract	14501

Owner

482 Terranova St is owned and occupied by two individuals who bought it in June 2015.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	482 TERRANOVA ST, WINTER HAVEN, FL 33884-3430
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TD BANK NA
Feb 13, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 28, 2020	Deed of Trust, Mortgage · Conventional with PMI AMERIFIRST FIN'L CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2015 · Amount on File
Deed Sale	Jun 18, 2015 · Amount on File
Prior Sale	Aug 8, 2011 · Amount on File
Deed Document Number	2015110592
Deed Book / Page	9555 / 1030
Prior Transfer Date	Nov 9, 2005
Prior Transfer Doc	0000287161
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	482 TERRANOVA ST, WINTER HAVEN, FL 33884-3430
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	482 TERRANOVA ST, WINTER HAVEN, FL 33884-3430

Mortgage

Document Number	0000246847
Date	Oct 18, 2023
Book Page	12878/1612
Instrument	2023246847

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2053

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	482 TERRANOVA ST, WINTER HAVEN, FL 33884-3430
Transaction Type	Mortgage
Record Updated	Feb 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	482 TERRANOVA ST, WINTER HAVEN, FL 33884-3430
Investor	Possibly a Property Investor

Mortgage

Document Number	0000034804
Date	Feb 13, 2023
Book Page	12581/2041
Instrument	2023034804

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Mar 6, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	482 TERRANOVA ST, WINTER HAVEN, FL 33884-3430
Document Number	0114012155
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 29, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	482 TERRANOVA ST WINTER HAVEN FL 338843430, WINTER HAVEN, FL 33884-3430

Mortgage

Document Number	0114012155
Date	Oct 6, 2020
Book Page	011401/002155
Instrument	209297

Lender

Name	AMERIFIRST FIN'L CORP
Address	PORTAGE, MI 49002

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 5, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 482 Terranova St was $1,424 with a homeowner's exemption.

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		$122,843 (+2.7%)	$237,327 (-1.89%) Land $50,000 Building $187,327
2025	$1,424.00 Homeowner's exemption	$119,613	$241,897 Land $50,000 Building $191,897
2023	$1,322.00 (+4.01%) Homeowner's exemption	$112,856 (+3%)	$245,606 (+10.19%) Land $48,000 Building $197,606
2022	$1,271.00 Homeowner's exemption	$109,569	$222,886 Land $40,000 Building $182,886

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

Flood

FEMA maps place 482 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 AE, 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	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

Wildfire risk around 482 Terranova St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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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