Polk County property record for 528 Terranova Cir, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,698 sqft · built 2002 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $185,900 (May 2019) |
| Tax Bill | $2,521 (2025) |
| Deeds & Mortgages | Jun 2020 Transfer May 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-14-687804-000470 |
| Primary APN | 26-29-14-687804-000470 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,698 sqft Living Area |
| Gross Area | 2,138 sqft |
| 1st Floor Area | 1,698 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 8,276 sqft (0.19 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 109 sqft |
| Patio Area | 56 sqft |
| Street Address | 528 TERRANOVA CIR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TERRANOVA PHASE I PB 119 PGS 30 & 31 LOT 47 |
| 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 | 47 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 14501 |
Source: Polk County records · APN 26-29-14-687804-000470
Assessment roll updated June 23, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 528 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 01, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| May 21, 2019 | Warranty Deed, Transfer · FHA Mortgage MOVEMENT MTG |
| Feb 12, 2018 | Grant Deed, Transfer OS NATIONAL LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 21, 2019 · Amount on Record |
| Deed Sale | May 21, 2019 · Amount on Record |
| Prior Sale | Jul 02, 2013 · Amount on Record |
| Deed Document Number | 2019103596 |
| Deed Book / Page | 10847 / 800 |
| Last Transfer Date | May 29, 2020 |
| Transfer Doc | 0000107685 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 01, 2020 |
| Property Address | 528 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416 |
| Document Number | 0112482181 |
| Book / Page | 011248 / 002181 |
| Instrument Date | May 22, 2020 |
| Instrument | 107685 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 528 TERRANOVA CIR WINTER HAVEN FL 338843416, WINTER HAVEN, FL 33884-3416 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 21, 2019 |
| Property Address | 528 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416 |
| Document Number | 0108470800 |
| Book / Page | 010847 / 000800 |
| Instrument Date | May 10, 2019 |
| Instrument | 103596 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2019 |
| Title Company | TITLE AND ABSTRACT AGENCY/AMERICA, TITLE & ABSTRACT AGCY/AMERICA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,301.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 528 TERRANOVA CIR WINTER HAVEN FL 338843416, WINTER HAVEN, FL 33884-3416 |
| Document Number | 108470802 |
|---|---|
| Date | May 21, 2019 |
| Book Page | 010847/000802 |
| Instrument | 103597 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIAN LAND, SC 29707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 20, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 12, 2018 |
| Property Address | 528 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416 |
| Document Number | 0103941489 |
| Book / Page | 010394 / 001489 |
| Instrument Date | Feb 08, 2018 |
| Instrument | 32273 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2018 |
| Title Company | OS NATIONAL LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1717 MAIN ST #2000 DALLAS TX 752014657, 2000, DALLAS, TX 75201-4657 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,521.00 (+6.51%) Homeowner's exemption | $178,284 (+5.99%) | $209,198 (-15.18%) Land $40,000 Building $169,198 |
| 2023 | $2,367.00 (+3.18%) Homeowner's exemption | $168,213 (+3%) | $246,652 (+14.97%) Land $40,000 Building $206,652 |
| 2022 | $2,294.00 Homeowner's exemption | $163,314 | $214,535 Land $34,000 Building $180,535 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 55% of the US · lower than 73% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 341 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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