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538 Terranova Cir, Winter Haven, FL 33884 Property Records

Polk County property record for 538 Terranova Cir, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,349 sqft · built 2002
Lot Size0.172 acres (7,475 sqft)
Owner2 Individual Names on File
Last Sale$186,000 (Jan 2020)
Tax Bill$2,212 (2025)
Deeds & MortgagesJan 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-14-687804-000460

Property Details

APN / Parcel Number

Primary APN26-29-14-687804-000460
Alternative APNs
  • 142926687804000460
  • 42926000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,349 sqft Living Area
Gross Area1,749 sqft
1st Floor Area1,349 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area7,475 sqft (0.172 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area400 sqft
PorchUnfinished Open Porch
Porch Area33 sqft
Patio Area64 sqft

Location & Zoning

Street Address538 TERRANOVA CIR
CityWINTER HAVEN
StateFL
Zip33884-3416
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTERRANOVA PHASE I PB 119 PGS 30 & 31 LOT 46
Legal Range26E
Legal Township29S
Legal Section14
Legal SubdivisionTERRANOVA PHASE I
Legal PhaseI
Legal Tract687804
Legal Block4
Legal Lot Number46
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4024
Census Tract14501

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 Record2 Individual Names on File
Mailing Address538 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 16, 2020 · Amount on Record
Deed SaleJan 16, 2020 · Amount on Record
Prior SaleMar 12, 2003 · Amount on Record
Deed Document Number202011752
Deed Book / Page11109 / 1870
Record UpdatedSep 20, 2026

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJan 16, 2020
Property Address538 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416
Document Number0111091870
Book / Page011109 / 001870
Instrument DateJan 3, 2020
Instrument11752
Transaction TypeTransfer
Record UpdatedFeb 7, 2020
Title CompanyOTHER

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,302.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address538 TERRANOVA CIR WINTER HAVEN FL 338843416, WINTER HAVEN, FL 33884-3416

Mortgage

Document Number111091873
DateJan 16, 2020
Book Page011109/001873
Instrument11753
Lender
NameGUILD MTG
TypeMortgage Company
AddressSAN DIEGO, CA 92111
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 15, 2050

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,212.00 (+6.71%) Homeowner's exemption$161,750 (+5.99%)$182,490 (-14.65%) Land $40,000 Building $142,490
2023$2,073.00 (+3.39%) Homeowner's exemption$152,613 (+3%)$213,805 (+14.95%) Land $40,000 Building $173,805
2022$2,005.00 Homeowner's exemption$148,168$186,002 Land $34,000 Building $152,002

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 97 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies97 in force
Nearby Flood Claims8 (2004–2022)
Claims Outside the SFHA4 of 8
Most Recent ClaimSep 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 RiskModerate
above 55% of the US · lower than 73% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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

ProviderMax 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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