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489 Terranova St, Winter Haven, FL 33884 Property Records

Polk County property record for 489 Terranova St, Winter Haven, FL 33884 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,402 sqft · built 2003
Lot Size0.244 acres (10,629 sqft)
Owner2 Individual Names on File
Last Sale$297,000 (Aug 2020)
Tax Bill$2,869 (2025)
Deeds & MortgagesApr 2026 Line of Credit
Jul 2022 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-29-14-687805-001570

Property Details

APN / Parcel Number

Primary APN26-29-14-687805-001570
Alternative APNs
  • 142926687805001570
  • 42926000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,402 sqft Living Area
Gross Area2,842 sqft
1st Floor Area2,402 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area10,629 sqft (0.244 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area440 sqft
PorchScreened/Unfinished Porch
Porch Area278 sqft

Location & Zoning

Street Address489 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 157
Legal Range26E
Legal Township29S
Legal Section14
Legal SubdivisionTERRANOVA PHASE II
Legal PhaseII
Legal Tract687805
Legal Block4
Legal Lot Number157
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4020
Census Tract14501

Owner

Source: Polk County records · APN 26-29-14-687805-001570

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 Address489 TERRANOVA ST, WINTER HAVEN, FL 33884-3431
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Apr 14, 2026Deed of Trust, Mortgage · Line of Credit
COASTAL COMMUNITY BANK
Jul 14, 2022Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Aug 27, 2020Warranty Deed, Transfer · Conventional with PMI
GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 27, 2020 · Amount on Record
Deed SaleAug 27, 2020 · Amount on Record
Prior SaleOct 18, 2013 · Amount on Record
Deed Document Number2020177336
Deed Book / Page11353 / 1156
Last Transfer DateJul 07, 2022
Transfer Doc0000191096
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Recording DateApr 14, 2026
Property Address489 TERRANOVA ST, WINTER HAVEN, FL 33884-3431
Document Number0000087876
Book / Page13956 / 1378
Instrument DateApr 06, 2026
Instrument202687876
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust, 165
Address489 TERRANOVA ST, WINTER HAVEN, FL 33884-3431
InvestorPossibly a Property Investor

Mortgage

Document Number0000087876,
DateApr 14, 2026
Book Page13956/1378
Instrument202687876
Lender
NameCOASTAL COMMUNITY BANK
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate6%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

July 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateJul 14, 2022
Property Address489 TERRANOVA ST, WINTER HAVEN, FL 33884-3431
Document Number0000191096
Book / Page12336 / 1864
Map ReferenceMB 119 PG 42
Instrument DateJul 07, 2022
Instrument2022191096
Transaction TypeTransfer
Record UpdatedJan 19, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address489 TERRANOVA ST, WINTER HAVEN, FL 33884-3431

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address489 TERRANOVA ST, WINTER HAVEN, FL 33884-3431
InvestorPossibly a Property Investor

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 27, 2020
Property Address489 TERRANOVA ST, WINTER HAVEN, FL 33884-3431
Document Number0113531156
Book / Page011353 / 001156
Instrument DateAug 26, 2020
Instrument177336
Transaction TypeTransfer
Record UpdatedSep 16, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,079.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address489 TERRANOVA ST WINTER HAVEN FL 338843431, WINTER HAVEN, FL 33884-3431

Mortgage

Document Number113531158
DateAug 27, 2020
Book Page011353/001158
Instrument177337
Lender
NameGUARANTEED RATE AFFINITY LLC
AddressCHICAGO, IL 60613
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueAug 26, 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$2,869.00 (+3.31%)$196,930 (+5.99%)$305,997 (-8.24%) Land $50,000 Building $255,997
2024$2,777.00 (+2.85%)
2023$2,700.00 (+3.13%) Homeowner's exemption$185,806 (+3%)$333,484 (+10.64%) Land $48,000 Building $285,484
2022$2,618.00 Homeowner's exemption$180,394$301,403 Land $40,000 Building $261,403

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 100 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 55% of the US · above 26% of Florida
Wildfire LikelihoodAbout 1 in 625 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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