Polk County property record for 513 Terranova Cir, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,138 sqft · built 2005 |
| Lot Size | 0.179 acres (7,802 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $26,000 (Jan 2005) |
| Tax Bill | $1,961 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-14-687804-000080 |
| Primary APN | 26-29-14-687804-000080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,138 sqft Living Area |
| Gross Area | 2,538 sqft |
| 1st Floor Area | 2,138 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 176 sqft |
| Street Address | 513 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 8 |
| 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 | 8 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 14501 |
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 | 2 Individuals on Record |
|---|---|
| Mailing Address | 513 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 6, 2005 · Amount on Record |
| Deed Sale | Jan 6, 2005 · Amount on Record |
| Deed Document Number | 20053445 |
| Deed Book / Page | 6041 / 1382 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 513 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0115470430 |
| Instrument Date | Jan 15, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 513 TERRANOVA CIR WINTER HAVEN FL 338843407, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0115470430 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | 011547/000430 |
| Instrument | 16614 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Jan 21, 2028 |
Source: Polk County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,961.00 (+6.92%) Homeowner's exemption | $148,323 (+5.99%) | $266,842 (-14.16%) Land $40,000 Building $226,842 |
| 2023 | $1,834.00 (+3.56%) Homeowner's exemption | $139,945 (+3%) | $310,867 (+13.39%) Land $40,000 Building $270,867 |
| 2022 | $1,771.00 Homeowner's exemption | $135,869 | $274,158 Land $34,000 Building $240,158 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: 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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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