484 Terranova St, Winter Haven, FL 33884 Property Records

Polk County property record for 484 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	0.254 acres (11,051 sqft)
Owner	Individual Name on File
Last Sale	$128,000 (Jul 2009)
Tax Bill	$1,380 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-14-687805-001470`

Property Details

APN / Parcel Number

Primary APN	`26-29-14-687805-001470`
Alternative APNs	`142926687805001470` `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
Roof Type	Hip
Roof Material	Other
Lot Area	11,051 sqft (0.254 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	399 sqft
Porch	Unfinished Open Porch
Porch Area	44 sqft

Location & Zoning

Street Address	484 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 147
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	147
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4023
Census Tract	14501

Owner

Source: Polk County records · APN 26-29-14-687805-001470

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 Record	Individual Name on File
Mailing Address	484 TERRANOVA ST, WINTER HAVEN, FL 33884-3430
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 06, 2009 · Amount on Record
Deed Sale	Jul 06, 2009 · Amount on Record
Prior Sale	Apr 21, 2009
Deed Document Number	2009123819
Deed Book / Page	7922 / 152
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	484 TERRANOVA ST, WINTER HAVEN, FL 33884-3430
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	484 TERRANOVA ST, WINTER HAVEN, FL 33884-3430

Mortgage

Document Number	0000269659
Date	Oct 15, 2021
Book Page	11939/1990
Instrument	2021269659

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 01, 2036

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,380.00 (+7.81%) Homeowner's exemption	$117,279 (+5.99%)	$241,897 (-1.51%) Land $50,000 Building $191,897
2023	$1,280.00 (+4.07%) Homeowner's exemption	$110,654 (+3%)	$245,606 (+10.19%) Land $48,000 Building $197,606
2022	$1,230.00 Homeowner's exemption	$107,431	$222,886 Land $40,000 Building $182,886

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 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

Wildfire

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 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 as of December 31, 2025 · Last verified October 2026

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.

Based on FCC filings for 341 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.