Polk County property record for 535 Terranova Cir, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,038 sqft · built 2004 |
| Lot Size | 0.17 acres (7,392 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Jan 2024) |
| Tax Bill | $3,943 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage May 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-14-687804-000190 |
| Primary APN | 26-29-14-687804-000190 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,038 sqft Living Area |
| Gross Area | 2,438 sqft |
| 1st Floor Area | 2,038 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 7,392 sqft (0.17 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 28 sqft |
| Patio Area | 64 sqft |
| Street Address | 535 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 19 |
| 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 | 19 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 14501 |
Source: Polk County records · APN 26-29-14-687804-000190
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 | 535 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 19, 2024 | Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC |
| May 04, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 07, 2021 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 10, 2019 | Deed of Trust, Mortgage · Conventional with PMI WELLS FARGO BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 19, 2024 · Amount on Record |
| Deed Sale | Jan 19, 2024 · Amount on Record |
| Prior Sale | May 04, 2023 · Amount on Record |
| Deed Document Number | 202414168 |
| Deed Book / Page | 12977 / 1891 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 19, 2024 |
| Property Address | 535 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0000014168 |
| Book / Page | 12977 / 1891 |
| Map Reference | MB 119 PG 30&31 |
| Instrument Date | Jan 11, 2024 |
| Instrument | 2024014168 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2024 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3559 PIXIE LN, SAINT CLOUD, FL 34772-8255 |
| Name | Verified Name |
|---|---|
| Address | 535 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0129771893 |
|---|---|
| Date | Jan 19, 2024 |
| Instrument | 12977/1893 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 04, 2023 |
| Property Address | 535 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0000104266 |
| Book / Page | 12678 / 1725 |
| Map Reference | MB 119 PG 30&31 |
| Instrument Date | May 01, 2023 |
| Instrument | 2023104266 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2023 |
| Title Company | NOT AVAILABLE, TRADITIONS T&E LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,317.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 535 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Name | Verified Name |
|---|---|
| Address | 535 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0126781727 |
|---|---|
| Date | May 04, 2023 |
| Instrument | 12678/1727 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 07, 2021 |
| Property Address | 535 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0000232725 |
| Book / Page | 11880 / 809 |
| Map Reference | MB 119 PG 30&31 |
| Instrument Date | Aug 27, 2021 |
| Instrument | 2021232725 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| Title Company | LAKELAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1004 OLD LAKE ALFRED RD, 1004, LAKE ALFRED, FL 33850-7255 |
| Name | Verified Name |
|---|---|
| Address | 535 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0011880811 |
|---|---|
| Date | Sep 07, 2021 |
| Instrument | 11880/811 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 535 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0110770530 |
| Instrument Date | Dec 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 06, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 535 TERRANOVA CIR WINTER HAVEN FL 338843407, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0110770530 |
|---|---|
| Date | Dec 17, 2019 |
| Book Page | 011077/000530 |
| Instrument | 267091 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 16, 2049 |
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 | $3,943.00 (-3.81%) Homeowner's exemption | $254,359 (-2.12%) Land $48,000 Building $206,359 | $254,359 (-10.82%) Land $48,000 Building $206,359 |
| 2023 | $4,099.00 (+2.81%) | $259,877 (+3%) | $285,214 (+13.04%) Land $48,000 Building $237,214 |
| 2022 | $3,987.00 Homeowner's exemption | $252,308 Land $40,000 Building $212,308 | $252,308 Land $40,000 Building $212,308 |
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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