523 Terranova Cir, Winter Haven, FL 33884 Property Records

Polk County property record for 523 Terranova Cir, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,536 sqft · built 2003
Lot Size	0.179 acres (7,802 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Apr 2026)
Tax Bill	$3,690 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-14-687804-000130`

Property Details

APN / Parcel Number

Primary APN	`26-29-14-687804-000130`
Alternative APNs	`142926687804000130` `42926000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,536 sqft Living Area
Gross Area	1,936 sqft
1st Floor Area	1,536 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
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	Unfinished Open Porch
Porch Area	60 sqft

Location & Zoning

Street Address	523 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 13
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	13
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4020
Census Tract	14501

Owner

Source: Polk County records, as of September 28, 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 Record
Mailing Address	523 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CREDIT UNION
Apr 29, 2026	Correction Deed FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE OF FLO
Apr 3, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2026 · Amount on Record
Deed Sale	Apr 29, 2026 · Amount on Record
Prior Sale	Mar 1, 2017 · Amount on Record
Deed Document Number	2026101194
Deed Book / Page	13976 / 6
Prior Transfer Date	Mar 27, 2017
Prior Transfer Doc	0000062834
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 29, 2026
Property Address	523 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Document Number	0000101194
Book / Page	13976 / 6
Instrument Date	Apr 24, 2026
Instrument	2026.101194
Transaction Type	Transfer
Record Updated	May 11, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE OF FLO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183,820.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407

Mortgage

Document Number	0000101195,
Date	Apr 29, 2026
Instrument	2026..101195

Lender

Name	MIDFLORIDA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	POLK FL
Recording Date	Apr 29, 2026
Property Address	523 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Document Number	0000101192
Book / Page	13976 / 1
Instrument Date	Apr 24, 2026
Instrument	2026101192
Record Updated	Aug 28, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE OF FLO

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	9790 KIT CARSON LN, COLORADO SPRINGS, CO 80920-1511

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Apr 3, 2017
Property Address	523 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Document Number	0101072084
Book / Page	010107 / 002084
Instrument Date	Mar 27, 2017
Instrument	62834
Transaction Type	Transfer
Record Updated	Jun 19, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9790 KIT CARSON LN COLORADO SPRINGS CO 809201511, COLORADO SPRINGS, CO 80920-1511

Tax Assessment & Valuation

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		$191,958 (-2.74%) Land $40,000 Building $151,958	$191,958 (-2.74%) Land $40,000 Building $151,958
2025	$3,690.00 (-2.95%)	$197,363 (-14.12%) Land $40,000 Building $157,363	$197,363 (-14.12%) Land $40,000 Building $157,363
2024	$3,802.00 (+0.58%)
2023	$3,780.00 (+10.27%)	$229,823 (+13.65%) Land $40,000 Building $189,823	$229,823 (+13.65%) Land $40,000 Building $189,823
2022	$3,428.00	$202,222 Land $34,000 Building $168,222	$202,222 Land $34,000 Building $168,222

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

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 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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