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491 Terranova St, Winter Haven, FL 33884 Property Records

Polk County property record for 491 Terranova St, Winter Haven, FL 33884 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,346 sqft · built 2004
Lot Size0.244 acres (10,624 sqft)
OwnerCompany Name on File
Last Sale$430,000 (Aug 2022)
Tax Bill$5,934 (2025)
Deeds & MortgagesOct 2022 Sale
Aug 2022 Sale & Mortgage
+ 5 more
Flood ZoneZone X (minimal risk)
APN26-29-14-687805-001560

Property Details

APN / Parcel Number

Primary APN26-29-14-687805-001560
Alternative APNs
  • 142926687805001560
  • 42926000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,346 sqft Living Area
Gross Area2,787 sqft
1st Floor Area2,346 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area10,624 sqft (0.244 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area441 sqft
PorchSlab
Porch Area276 sqft

Location & Zoning

Street Address491 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 156
Legal Range26E
Legal Township29S
Legal Section14
Legal SubdivisionTERRANOVA PHASE II
Legal PhaseII
Legal Tract687805
Legal Block4
Legal Lot Number156
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4020
Census Tract14501

Owner

Source: Polk County records · APN 26-29-14-687805-001560

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 RecordCompany Name on File
Mailing Address2325 POINTE PKWY, 250, CARMEL, IN 46032-3295
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Oct 04, 2022Warranty Deed, Transfer
ACCOMODATION, ACCOMMODATION
Aug 30, 2022Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Mar 11, 2022Special Warranty Deed, Transfer
AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC
Oct 06, 2021Warranty Deed, Transfer
ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO
Mar 25, 2020Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Mar 25, 2020Loan Modification, Mortgage
FLAGSTAR BK
May 05, 2017Warranty Deed, Transfer · FHA Mortgage
FLAGSTAR BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 30, 2022 · Amount on Record
Deed SaleAug 30, 2022 · Amount on Record
Prior SaleOct 06, 2021 · Amount on Record
Deed Document Number2022235605
Deed Book / Page12398 / 1762
Record UpdatedSep 20, 2026

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateOct 04, 2022
Property Address491 TERRANOVA ST, WINTER HAVEN, FL 33884-3431
Document Number0000264048
Book / Page12438 / 1519
Map ReferenceMB 119 PG 42
Instrument DateSep 09, 2022
Instrument2022264048
Transaction TypeTransfer
Record UpdatedOct 17, 2022
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2325 POINTE PKWY STE 250, 250, CARMEL, IN 46032-3295
Mail Care OfRENU PROPERTY MANAGEMENT LLC
InvestorPossibly a Property Investor

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 30, 2022
Property Address491 TERRANOVA ST, WINTER HAVEN, FL 33884-3431
Document Number0000235605
Book / Page12398 / 1762
Map ReferenceMB 119 PG 42
Instrument DateAug 18, 2022
Instrument2022235605
Transaction TypeTransfer
Record UpdatedSep 13, 2022
Title CompanyAVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,010.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1950 E GREYHOUND PASS # PASS18-355, 1950, CARMEL, IN 46033-7787

Transferred To (Grantee/Buyer)

NameVerified Name
Address491 TERRANOVA ST, WINTER HAVEN, FL 33884-3431

Mortgage

Document Number0123981765
DateAug 30, 2022
Instrument12398/1765
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2052

March 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateMar 11, 2022
Property Address491 TERRANOVA ST, WINTER HAVEN, FL 33884-3431
Document Number0000067098
Book / Page12157 / 1767
Map ReferenceMB 67 PG 23
Instrument DateFeb 17, 2022
Instrument2022067098
Transaction TypeTransfer
Record UpdatedAug 02, 2022
Title CompanyAVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC

Transaction

AmountAmount Recorded
Tax$11,849.60
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address1301 2ND AVE, 1301, SEATTLE, WA 98101-3800

Transferred To (Grantee/Buyer)

NameVerified Name
Address2350 POINTE PKWY # 250, 250, CARMEL, IN 46032
InvestorPossibly a Property Investor

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateOct 06, 2021
Property Address491 TERRANOVA ST, WINTER HAVEN, FL 33884-3431
Document Number0000261764
Book / Page11927 / 2044
Map ReferenceMB 119 PG 42
Instrument DateOct 04, 2021
Instrument2021261764
Transaction TypeTransfer
Record UpdatedAug 02, 2022
Title CompanyZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO

Transaction

AmountAmount Recorded
Tax$2,765.00
Amount AccuracyFull Amount Stated
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address491 TERRANOVA ST, 491, WINTER HAVEN, FL 33884-3431

Transferred To (Grantee/Buyer)

NameVerified Name
Address4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347
InvestorPossibly a Property Investor

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address491 TERRANOVA ST, WINTER HAVEN, FL 33884-3431
Document Number0112092262
Instrument DateMar 25, 2020
Transaction TypeMortgage
Record UpdatedMay 12, 2020
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address491 TERRANOVA ST WINTER HAVEN FL 338843431, WINTER HAVEN, FL 33884-3431

Mortgage

Document Number0112092262
DateApr 17, 2020
Book Page011209/002262
Instrument81550
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 16, 2050

March 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address491 TERRANOVA ST, WINTER HAVEN, FL 33884-3431
Document Number0112092252
Instrument DateMar 25, 2020
Transaction TypeMortgage
Record UpdatedApr 09, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address491 TERRANOVA ST WINTER HAVEN FL 338843431, WINTER HAVEN, FL 33884-3431

Mortgage

Document Number0112092252
DateApr 17, 2020
Book Page011209/002252
Instrument81549
Lender
NameFLAGSTAR BK
TypeBank
AddressFARMERS BRANCH, TX 75234
Agreement
AmountAmount Recorded
Term360 Months
DueApr 16, 2050
Interest
Rate4%

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 05, 2017
Property Address491 TERRANOVA ST, WINTER HAVEN, FL 33884-3431
Document Number0101391547
Book / Page010139 / 001547
Instrument DateApr 27, 2017
Instrument86845
Transaction TypeTransfer
Record UpdatedApr 09, 2021
Title CompanyCELEBRATION TITLE GROUP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,820.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address491 TERRANOVA ST WINTER HAVEN FL 338843431, WINTER HAVEN, FL 33884-3431

Mortgage

Document Number101391551
DateMay 05, 2017
Book Page010139/001551
Instrument86847
Lender
NameFLAGSTAR BK
TypeBank
AddressTROY, MI 48098-2639
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 04, 2047

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$5,934.00 (-9.09%)$317,408 (-8.15%) Land $50,000 Building $267,408$317,408 (-8.15%) Land $50,000 Building $267,408
2023$6,527.00 (+10.59%)$345,575 (+11.41%) Land $48,000 Building $297,575$345,575 (+11.41%) Land $48,000 Building $297,575
2022$5,902.00$310,191 Land $40,000 Building $270,191$310,191 Land $40,000 Building $270,191

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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