Polk County property record for 540 Terranova Cir, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,674 sqft · built 2003 |
| Lot Size | 0.172 acres (7,475 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $170,000 (Sep 2018) |
| Tax Bill | $2,333 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-14-687804-000450 |
| Primary APN | 26-29-14-687804-000450 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,674 sqft Living Area |
| Gross Area | 2,094 sqft |
| 1st Floor Area | 1,674 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 | 420 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 38 sqft |
| Patio Area | 64 sqft |
| Street Address | 540 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 45 |
| 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 | 45 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 14501 |
Source: Polk County records · APN 26-29-14-687804-000450
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 | 540 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 30, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage CHRISTENSEN FINANCIAL INC |
| Sep 04, 2018 | Warranty Deed, Transfer · Conventional with PMI CHRISTENSEN FIN'L |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 04, 2018 · Amount on Record |
| Deed Sale | Sep 04, 2018 · Amount on Record |
| Deed Document Number | 2018187202 |
| Deed Book / Page | 10600 / 1512 |
| Last Transfer Date | Aug 20, 2021 |
| Transfer Doc | 0000226122 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 30, 2021 |
| Property Address | 540 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416 |
| Document Number | 0000226122 |
| Book / Page | 11869 / 1320 |
| Map Reference | MB 119 PG 30&31 |
| Instrument Date | Aug 20, 2021 |
| Instrument | 2021226122 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 540 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416 |
| Document Number | 0118691322 |
|---|---|
| Date | Aug 30, 2021 |
| Instrument | 11869/1322 |
| Name | CHRISTENSEN FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 04, 2018 |
| Property Address | 540 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416 |
| Document Number | 0106001512 |
| Book / Page | 010600 / 001512 |
| Instrument Date | Aug 17, 2018 |
| Instrument | 187202 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2018 |
| Title Company | MTI TITLE INSURANCE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,190.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 540 TERRANOVA CIR WINTER HAVEN FL 338843416, WINTER HAVEN, FL 33884-3416 |
| Document Number | 106001514 |
|---|---|
| Date | Sep 04, 2018 |
| Book Page | 010600/001514 |
| Instrument | 187203 |
| Name | CHRISTENSEN FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 03, 2048 |
| Document Number | 106031453, |
|---|---|
| Date | Sep 04, 2018 |
| Book Page | 010603/001453 |
| Instrument | 189339 |
| Name | HOUSING FIN AGCY |
|---|---|
| Address | TALLAHASSEE, FL 32301-1329 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 03, 2048 |
| Rate | 12% |
|---|
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 | $2,333.00 (+6.63%) Homeowner's exemption | $168,226 (+5.99%) | $208,506 (-14.2%) Land $40,000 Building $168,506 |
| 2023 | $2,188.00 (+5.6%) Homeowner's exemption | $158,723 (+4.65%) | $243,020 (+14.69%) Land $40,000 Building $203,020 |
| 2022 | $2,072.00 Homeowner's exemption | $151,673 | $211,888 Land $34,000 Building $177,888 |
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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