523 Winter Ter, Winter Haven, FL 33881 Property Records

Polk County property record for 523 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	Company Name on File
Last Sale	$160,000 (Sep 2022)
Tax Bill	$2,473 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Sep 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-09-530002-001450`

Property Details

APN / Parcel Number

Primary APN	`26-28-09-530002-001450`
Alternative APNs	`092826530002001450` `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	523 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 145 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	145
Legal Unit	145
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1001
Census Tract	13602

Owner

523 Winter Ter, a condominium, is owned by a company that bought it in September 2022.

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

Owner of Record	Company Name on File
Mailing Address	7208 W SAND LAKE RD, 305, ORLANDO, FL 32819-5279
Owner Type	Company
Vesting	Limited Liability Company

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

Date	Document
Mar 24, 2023	Deed of Trust, Mortgage · Commercial Mortgage ENCORE BANK NA
Sep 8, 2022	Warranty Deed, Transfer TITLEMARK PLLC, TITLEMARK LLC
Jan 29, 2019	Deed of Trust, Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2022 · Amount on File
Deed Sale	Sep 8, 2022 · Amount on File
Prior Sale	Jul 27, 2006 · Amount on File
Deed Document Number	2022243904
Deed Book / Page	12411 / 168
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	523 WINTER TER, WINTER HAVEN, FL 33881-5814
Transaction Type	Mortgage
Record Updated	Apr 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7208 W SAND LAKE RD 305, 305, SAND LAKE, FL 32819-5279

Mortgage

Document Number	0000069317
Date	Mar 24, 2023
Book Page	12628/1192
Instrument	2023069317

Lender

Name	ENCORE BANK NA
Type	Bank
Address	LITTLE ROCK, AR 72211

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 8, 2022
Property Address	523 WINTER TER, WINTER HAVEN, FL 33881-5814
Document Number	0000243904
Book / Page	12411 / 168
Map Reference	MB 3047 PG 2235
Instrument Date	Sep 7, 2022
Instrument	2022243904
Transaction Type	Transfer
Record Updated	Sep 20, 2022
Title Company	TITLEMARK PLLC, TITLEMARK LLC

Transaction

Amount	Amount on Record
Tax	$1,120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5753 ROYAL HILLS CIR, 5753, WINTER HAVEN, FL 33881-8794

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7208 W SAND LAKE RD STE 305, 305, ORLANDO, FL 32819-5279

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	523 WINTER TER, WINTER HAVEN, FL 33881-5814
Document Number	0107411807
Instrument Date	Jan 29, 2019
Transaction Type	Mortgage
Record Updated	Feb 18, 2019
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5753 ROYAL HILLS CIR WINTER HAVEN FL 338818794, WINTER HAVEN, FL 33881-8794

Mortgage

Document Number	0107411807
Date	Feb 4, 2019
Book Page	010741/001807
Instrument	23236

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 3, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 523 Winter Ter was $2,473, down 5.3% from the year before.

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 (-5.29%)	$130,000 Land $100 Building $129,900	$130,000 Land $100 Building $129,900
2024	$2,611.00 (+0.46%)
2023	$2,599.00 (+50.14%)	$135,000 (+6.3%) Land $100 Building $134,900	$135,000 (+6.3%) Land $100 Building $134,900
2022	$1,731.00	$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 523 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 523 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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