509 Winter Ter, Winter Haven, FL 33881 Property Records

Polk County property record for 509 Winter Ter, Winter Haven, FL 33881

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,073 sqft · built 1997
Lot Size	0.026 acres (1,140 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (May 2022)
Tax Bill	$2,473 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-09-530002-001520`

Property Details

APN / Parcel Number

Primary APN	`26-28-09-530002-001520`
Alternative APNs	`092826530002001520` `92826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,073 sqft Living Area
1st Floor Area	1,073 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Condo/Apartment
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	1,140 sqft (0.026 acres)
Porch	Porch
Porch Area	290 sqft

Location & Zoning

Street Address	509 WINTER TER
City	WINTER HAVEN
State	FL
Zip	33881-5814
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	WINTER RIDGE CONDOMINIUMS OR 3047 PGS 2235 THRU 2286 UNIT 152 AND UNDIVIDED INTEREST IN THE COMMON ELEMENTS AS PER CONDO DECLARATION
Legal Range	26E
Legal Township	28S
Legal Section	09
Legal Subdivision	WINTER RIDGE CONDO
Legal Tract	530002
Legal Block	1
Legal Lot Number	152
Legal Unit	152
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1001
Census Tract	13602

Owner

509 Winter Ter, a condominium, is owned by an individual who bought it in May 2022.

Source: Polk County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	85 WOODSTONE RD, ROCKAWAY, NJ 07866-4131
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2022 · Amount on File
Deed Sale	May 25, 2022 · Amount on File
Prior Sale	Dec 9, 2016 · Amount on File
Deed Document Number	2022143517
Deed Book / Page	12269 / 260
Prior Transfer Date	Mar 31, 2012
Prior Transfer Doc	0000072312
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 25, 2022
Property Address	509 WINTER TER, WINTER HAVEN, FL 33881-5814
Document Number	0000143517
Book / Page	12269 / 260
Map Reference	MB 3047 PG 2235
Instrument Date	May 20, 2022
Instrument	2022143517
Transaction Type	Transfer
Record Updated	Jun 7, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	848 N ST RAINBOW BLVD1390, 848, LAS VEGAS, NV 89106-3538

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 WOODSTONE RD, ROCKAWAY, NJ 07866-4131

Mortgage

Document Number	0012269262
Date	May 25, 2022
Instrument	12269/262

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 509 Winter Ter was $2,473.

Source: Polk County assessment roll, as of September 28, 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
2026		$126,500 (-2.69%) Land $100 Building $126,400	$126,500 (-2.69%) Land $100 Building $126,400
2025	$2,473.00	$130,000 Land $100 Building $129,900	$130,000 Land $100 Building $129,900
2023	$2,599.00 (+48.51%)	$135,000 (+6.3%) Land $100 Building $134,900	$135,000 (+6.3%) Land $100 Building $134,900
2022	$1,750.00	$127,000 Land $100 Building $126,900	$127,000 Land $100 Building $126,900

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

Flood

FEMA maps place 509 Winter Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force

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

Wildfire risk around 509 Winter Ter is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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