509 Terranova Cir, Winter Haven, FL 33884 Property Records

Polk County property record for 509 Terranova Cir, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,689 sqft · built 2005
Lot Size	0.179 acres (7,802 sqft)
Owner	Individual Name on File
Last Sale	$91,722 (Sep 2020)
Tax Bill	$2,701 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-14-687804-000060`

Property Details

APN / Parcel Number

Primary APN	`26-29-14-687804-000060`
Alternative APNs	`142926687804000060` `42926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,689 sqft Living Area
Gross Area	2,089 sqft
1st Floor Area	1,689 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	7,802 sqft (0.179 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Screened/Unfinished Porch
Porch Area	145 sqft

Location & Zoning

Street Address	509 TERRANOVA CIR
City	WINTER HAVEN
State	FL
Zip	33884-3407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TERRANOVA PHASE I PB 119 PGS 30 & 31 LOT 6
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	6
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4020
Census Tract	14501

Owner

Source: Polk County assessment roll, as of June 23, 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	509 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Dec 29, 2021	Deed of Trust, Mortgage · Line of Credit BAXTER CU
Sep 11, 2020	Correction Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC
Sep 11, 2020	Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 11, 2020 · Amount on Record
Deed Sale	Sep 11, 2020 · Amount on Record
Prior Sale	Apr 1, 2017 · Amount on Record
Deed Document Number	2020189310
Deed Book / Page	11372 / 25
Prior Transfer Date	Sep 1, 2020
Prior Transfer Doc	0113720023
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	509 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407

Mortgage

Document Number	0000298325
Date	Dec 19, 2025
Book Page	13818/2147
Instrument	2025298325

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	509 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407

Mortgage

Document Number	0000339261
Date	Dec 29, 2021
Book Page	12049/1807
Instrument	2021339261

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Dec 31, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	POLK FL
Recording Date	Sep 11, 2020
Property Address	509 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Document Number	0113720023
Book / Page	011372 / 000023
Instrument Date	Sep 11, 2020
Instrument	189309
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4155 DINNER LAKE WAY LAKE WALES FL 338592111, LAKE WALES, FL 33859-2111

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 11, 2020
Property Address	509 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Document Number	0113720025
Book / Page	011372 / 000025
Instrument Date	Sep 9, 2020
Instrument	189310
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$642.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 TERRANOVA CIR WINTER HAVEN FL 338843407, WINTER HAVEN, FL 33884-3407

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$2,701.00 (+3.33%) Homeowner's exemption	$187,938 (+5.99%)	$212,357 (-15.19%) Land $40,000 Building $172,357
2024	$2,614.00 (+2.95%)
2023	$2,539.00 (+3.13%) Homeowner's exemption	$177,321 (+3%)	$250,394 (+14.98%) Land $40,000 Building $210,394
2022	$2,462.00 Homeowner's exemption	$172,156	$217,778 Land $34,000 Building $183,778

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

Flood

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 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

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

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

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

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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