541 Terranova Cir, Winter Haven, FL 33884 Property Records

Polk County property record for 541 Terranova Cir, Winter Haven, FL 33884

Property Summary

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 File
Last Sale	$205,000 (Sep 2020)
Tax Bill	$2,833 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-14-687804-000220`

Property Details

APN / Parcel Number

Primary APN	`26-29-14-687804-000220`
Alternative APNs	`142926687804000220` `42926000`

Interior

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

Exterior

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	Screened/Unfinished Porch
Porch Area	274 sqft

Location & Zoning

Street Address	541 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 22
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	22
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4020
Census Tract	14501

Owner

Source: Polk County records · APN 26-29-14-687804-000220

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	541 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 02, 2020 · Amount on Record
Deed Sale	Sep 02, 2020 · Amount on Record
Prior Sale	Jul 27, 2016 · Amount on Record
Deed Document Number	2020181505
Deed Book / Page	11360 / 43
Prior Transfer Date	Aug 13, 2008
Prior Transfer Doc	0000142865
Record Updated	Sep 20, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 02, 2020
Property Address	541 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Document Number	0113600043
Book / Page	011360 / 000043
Instrument Date	Aug 27, 2020
Instrument	181505
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	REAL ESTATE TITLE, REAL ESTATE TITLE SVCS CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	26419 W FOX TRL #RD CHANNAHON IL 604108625, RD, CHANNAHON, IL 60410-8625

Mortgage

Document Number	113600044
Date	Sep 02, 2020
Book Page	011360/000044
Instrument	181506

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2050

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

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	$2,833.00 (+6.3%) Homeowner's exemption	$194,967 (+5.99%)	$217,241 (-15.26%) Land $48,000 Building $169,241
2023	$2,665.00 (+3.13%) Homeowner's exemption	$183,953 (+3%)	$256,353 (+15.47%) Land $48,000 Building $208,353
2022	$2,584.00 Homeowner's exemption	$178,595	$222,015 Land $40,000 Building $182,015

Flood & Wildfire

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

Flood

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	Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 2 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

Wildfire

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.

Internet Providers

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.

Drinking Water

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

Violations Reported to EPA

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.