Polk County property record for 539 Terranova Cir, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,624 sqft · built 2003 |
| Lot Size | 0.172 acres (7,475 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $295,000 (Mar 2024) |
| Tax Bill | $3,257 (2025) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-14-687804-000210 |
| Primary APN | 26-29-14-687804-000210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,624 sqft Living Area |
| Gross Area | 2,064 sqft |
| 1st Floor Area | 1,624 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,475 sqft (0.172 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 34 sqft |
| Patio Area | 392 sqft |
| Street Address | 539 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 21 |
| 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 | 21 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 14501 |
Source: Polk County records, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 539 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 21, 2024 | Warranty Deed, Transfer · VA Mortgage HOME1ST LENDING LLC |
| Jul 22, 2021 | Warranty Deed, Transfer · Conventional Mortgage KEY BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 21, 2024 · Amount on Record |
| Deed Sale | Mar 21, 2024 · Amount on Record |
| Prior Sale | Jul 22, 2021 · Amount on Record |
| Deed Document Number | 202465606 |
| Deed Book / Page | 13048 / 1618 |
| Prior Transfer Date | Jun 28, 2013 |
| Prior Transfer Doc | 0000143306 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 21, 2024 |
| Property Address | 539 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0000065606 |
| Book / Page | 13048 / 1618 |
| Map Reference | MB 119 PG 30&31 |
| Instrument Date | Mar 15, 2024 |
| Instrument | 2024065606 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2024 |
| Title Company | SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,065.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2299 GENEVA DR, LAKELAND, FL 33805-9610 |
| Name | Verified Name |
|---|---|
| Address | 539 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0130481620 |
|---|---|
| Date | Mar 21, 2024 |
| Instrument | 13048/1620 |
| Name | HOME1ST LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 22, 2021 |
| Property Address | 539 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0000189786 |
| Book / Page | 11813 / 1127 |
| Map Reference | MB 119 PG 30&31 |
| Instrument Date | Jul 8, 2021 |
| Instrument | 2021189786 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2021 |
| Title Company | SMART TITLE II LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45G COUNTRY PINE ROAD, 45G, HAINES CITY, FL 33844 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 539 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0118131129 |
|---|---|
| Date | Jul 22, 2021 |
| Instrument | 11813/1129 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
Source: Polk County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,257.00 (-4.32%) Homeowner's exemption | $222,662 (-0.2%) Land $48,000 Building $174,662 | $222,662 (-9.94%) Land $48,000 Building $174,662 |
| 2023 | $3,404.00 (+2.9%) Homeowner's exemption | $223,106 (+3%) | $247,234 (+14.14%) Land $48,000 Building $199,234 |
| 2022 | $3,308.00 Homeowner's exemption | $216,608 Land $40,000 Building $176,608 | $216,608 Land $40,000 Building $176,608 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: 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.
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 |
| 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.
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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