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521 Terranova Cir, Winter Haven, FL 33884 Property Records

Polk County property record for 521 Terranova Cir, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,661 sqft · built 2002
Lot Size0.179 acres (7,802 sqft)
Owner2 Individual Names on Record
Last Sale$309,000 (Dec 2025)
Tax Bill$4,162 (2025)
Deeds & MortgagesDec 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-14-687804-000120

Property Details

APN / Parcel Number

Primary APN26-29-14-687804-000120
Alternative APNs
  • 142926687804000120
  • 42926000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,661 sqft Living Area
Gross Area2,061 sqft
1st Floor Area1,661 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable
Roof MaterialOther
Lot Area7,802 sqft (0.179 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area400 sqft
PorchFinished/Open Porch
Porch Area43 sqft
Patio Area64 sqft

Location & Zoning

Street Address521 TERRANOVA CIR
CityWINTER HAVEN
StateFL
Zip33884-3407
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTERRANOVA PHASE I PB 119 PGS 30 & 31 LOT 12
Legal Range26E
Legal Township29S
Legal Section14
Legal SubdivisionTERRANOVA PHASE I
Legal PhaseI
Legal Tract687804
Legal Block4
Legal Lot Number12
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4020
Census Tract14501

Owner

Source: Polk County records, 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 Record2 Individual Names on Record
Mailing Address249 OWEGO ST, MONTOUR FALLS, NY 14865-9640
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 10, 2025 · Amount on Record
Deed SaleDec 10, 2025 · Amount on Record
Prior SaleMay 18, 2012 · Amount on Record
Deed Document Number2025289685
Deed Book / Page13806 / 1402
Record UpdatedSep 20, 2026

December 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateDec 10, 2025
Property Address521 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Document Number0000289685
Book / Page13806 / 1402
Map ReferenceMB 119 PG 30&31
Instrument DateDec 2, 2025
Instrument2025289685
Transaction TypeTransfer
Record UpdatedJan 1, 2026
Title CompanySOUTHERN SHORES TITLE, SOUTHERN HERITAGE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,163.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8499 CREEKBLUFF DR, DALLAS, TX 75249-3613

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address249 OWEGO ST, MONTOUR FALLS, NY 14865-9640

Mortgage

Document Number0138061404
DateDec 10, 2025
Instrument13806/1404
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2056

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,162.00 (-3.16%)$222,634 (-13.43%) Land $40,000 Building $182,634$222,634 (-13.43%) Land $40,000 Building $182,634
2023$4,298.00 (+10.18%)$257,177 (+13.3%) Land $40,000 Building $217,177$257,177 (+13.3%) Land $40,000 Building $217,177
2022$3,901.00$226,984 Land $34,000 Building $192,984$226,984 Land $34,000 Building $192,984

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 97 policies
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 · 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 RiskModerate
above 50% of the US · lower than 79% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation

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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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

ProviderMax 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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