Polk County property record for 502 Terranova Cir, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,333 sqft · built 2010 |
| Lot Size | 0.228 acres (9,940 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $37,020 (Jun 2017) |
| Tax Bill | $359 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Apr 2022 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-14-687804-000520 |
| Primary APN | 26-29-14-687804-000520 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,333 sqft Living Area |
| Gross Area | 1,773 sqft |
| 1st Floor Area | 1,333 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,940 sqft (0.228 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Slab |
| Porch Area | 25 sqft |
| Street Address | 502 TERRANOVA CIR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TERRANOVA PHASE I PB 119 PGS 30 & 31 LOT 52 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 14 |
| Legal Subdivision | TERRANOVA PHASE I |
| Legal Phase | I |
| Legal Tract | 687804 |
| Legal Block | 4 |
| Legal Lot Number | 52 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 14501 |
Source: Polk County assessment roll, APN 26-29-14-687804-000520, as of 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 | 2 Company Names on File |
|---|---|
| Mailing Address | 502 TERRANOVA CIR, WINTER HAVEN, FL 33884-3418 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jul 06, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| Apr 21, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 09, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 31, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 04, 2018 | Loan Modification, Mortgage · Conventional with PMI PENNYMAC |
| Apr 27, 2017 | Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MTG |
| Jun 07, 2017 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 07, 2017 · Amount on Record |
| Deed Sale | Jun 07, 2017 · Amount on Record |
| Prior Sale | Apr 01, 2017 · Amount on Record |
| Deed Document Number | 2017107852 |
| Deed Book / Page | 10168 / 75 |
| Last Transfer Date | Jun 08, 2025 |
| Transfer Doc | 0000133397 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 06, 2026 |
| Property Address | 502 TERRANOVA CIR, WINTER HAVEN, FL 33884-3418 |
| Document Number | 0000159938 |
| Book / Page | 14063 / 1687 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 2026159938 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 502 TERRANOVA CIR, WINTER HAVEN, FL 33884-3418 |
| Document Number | 0000159938, |
|---|---|
| Date | Jul 06, 2026 |
| Book Page | 14063/1687 |
| Instrument | 2026159938 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jul 01, 2066 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 502 TERRANOVA CIR, WINTER HAVEN, FL 33884-3418 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 502 TERRANOVA CIR, WINTER HAVEN, FL 33884-3418 |
| Document Number | 0000108867 |
|---|---|
| Date | Apr 21, 2022 |
| Book Page | 12220/2 |
| Instrument | 2022108867 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92602 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 502 TERRANOVA CIR, WINTER HAVEN, FL 33884-3418 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 502 TERRANOVA CIR, WINTER HAVEN, FL 33884-3418 |
| Document Number | 0000291953 |
|---|---|
| Date | Nov 09, 2021 |
| Book Page | 11973/1397 |
| Instrument | 2021291953 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 502 TERRANOVA CIR, WINTER HAVEN, FL 33884-3418 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 502 TERRANOVA CIR, WINTER HAVEN, FL 33884-3418 |
| Document Number | 0000227257 |
|---|---|
| Date | Aug 31, 2021 |
| Book Page | 11871/981 |
| Instrument | 2021227257 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 01, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 502 TERRANOVA CIR, WINTER HAVEN, FL 33884-3418 |
| Document Number | 0105772219 |
| Instrument Date | Jun 04, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Name | Verified Name |
|---|---|
| Address | 502 TERRANOVA CIR WINTER HAVEN FL 338843418, WINTER HAVEN, FL 33884-3418 |
| Document Number | 0105772219 |
|---|---|
| Date | Aug 10, 2018 |
| Book Page | 010577/002219 |
| Instrument | 170900 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 09, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 502 TERRANOVA CIR, WINTER HAVEN, FL 33884-3418 |
| Document Number | 0101680078 |
| Instrument Date | Apr 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 502 TERRANOVA CIR WINTER HAVEN FL 338843418, WINTER HAVEN, FL 33884-3418 |
| Document Number | 0101680078 |
|---|---|
| Date | Jun 07, 2017 |
| Book Page | 010168/000078 |
| Instrument | 107853 |
| Name | AMERISAVE MTG |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 06, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 07, 2017 |
| Property Address | 502 TERRANOVA CIR, WINTER HAVEN, FL 33884-3418 |
| Document Number | 0101680075 |
| Book / Page | 010168 / 000075 |
| Instrument Date | Apr 27, 2017 |
| Instrument | 107852 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2017 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $259.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 502 TERRANOVA CIR WINTER HAVEN FL 338843418, WINTER HAVEN, FL 33884-3418 |
Source: Polk County assessment roll as of June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
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 | $359.00 (+3.76%) | $91,620 (+5.99%) | $190,631 (-14.72%) Land $40,000 Building $150,631 |
| 2024 | $346.00 (+2.06%) | ||
| 2023 | $339.00 (+2.11%) Homeowner's exemption | $86,445 (+3%) | $223,529 (+15.28%) Land $40,000 Building $183,529 |
| 2022 | $332.00 Homeowner's exemption | $83,927 | $193,908 Land $34,000 Building $159,908 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), as of October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050145014, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 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 |
|
| Wildfire Risk | Moderate above 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection, 341 locations within half a mile, 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.
Source: EPA Safe Drinking Water Information System, water system FL6531992, 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 |
| 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.
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