525 Terranova Cir, Winter Haven, FL 33884 Property Records

Polk County property record for 525 Terranova Cir, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,538 sqft · built 2002
Lot Size	0.179 acres (7,802 sqft)
Owner	Individual on Record
Last Sale	$275,000 (Jan 2025)
Tax Bill	$3,848 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-14-687804-000140`

Property Details

APN / Parcel Number

Primary APN	`26-29-14-687804-000140`
Alternative APNs	`142926687804000140` `42926000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,538 sqft Living Area
Gross Area	1,938 sqft
1st Floor Area	1,538 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
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	Finished/Open Porch
Porch Area	60 sqft
Patio Area	64 sqft

Location & Zoning

Street Address	525 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 14
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	14
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4020
Census Tract	14501

Owner

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	Individual on Record
Mailing Address	525 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2024	Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA
Aug 10, 2021	Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA
Oct 30, 2018	Warranty Deed, Transfer · FHA Mortgage CITIZENS BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2025 · Amount on Record
Deed Sale	Jan 27, 2025 · Amount on Record
Prior Sale	Jul 9, 2024 · Amount on Record
Deed Document Number	202519039
Deed Book / Page	13412 / 2213
Prior Transfer Date	Feb 21, 2014
Prior Transfer Doc	0000035507
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	525 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407

Mortgage

Document Number	0000072028
Date	Mar 28, 2024
Book Page	13057/1894
Instrument	2024072028

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	GLEN ALLEN, VA 23059

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Apr 1, 2064

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	525 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Transaction Type	Mortgage
Record Updated	Jun 1, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407

Mortgage

Document Number	0000207641
Date	Aug 10, 2021
Book Page	11841/878
Instrument	2021207641

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02940

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Nov 1, 2048

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 30, 2018
Property Address	525 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Document Number	0106551099
Book / Page	010655 / 001099
Instrument Date	Oct 19, 2018
Instrument	227442
Transaction Type	Transfer
Record Updated	Nov 14, 2018
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	525 TERRANOVA CIR WINTER HAVEN FL 338843407, WINTER HAVEN, FL 33884-3407

Mortgage

Document Number	106551101
Date	Oct 30, 2018
Book Page	010655/001101
Instrument	227443

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2048

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$3,848.00 (+2.01%)	$205,805 (-10.61%) Land $40,000 Building $165,805	$205,805 (-10.61%) Land $40,000 Building $165,805
2024	$3,772.00 (+0.29%)
2023	$3,761.00 (+10.65%)	$230,231 (+14.84%) Land $40,000 Building $190,231	$230,231 (+14.84%) Land $40,000 Building $190,231
2022	$3,399.00	$200,473 Land $34,000 Building $166,473	$200,473 Land $34,000 Building $166,473

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 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.2% 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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