542 Terranova Cir, Winter Haven, FL 33884 Property Records

Polk County property record for 542 Terranova Cir, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,480 sqft · built 2003
Lot Size	0.172 acres (7,475 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (May 2022)
Tax Bill	$2,758 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Feb 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-29-14-687804-000440`

Property Details

APN / Parcel Number

Primary APN	`26-29-14-687804-000440`
Alternative APNs	`142926687804000440` `42926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,480 sqft Living Area
Gross Area	1,860 sqft
1st Floor Area	1,480 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
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	7,475 sqft (0.172 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	380 sqft
Porch	Unfinished Open Porch
Porch Area	28 sqft
Patio Area	64 sqft

Location & Zoning

Street Address	542 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 44
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	44
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4024
Census Tract	14501

Owner

Source: Polk County records, as of September 28, 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	542 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Warranty Deed, Transfer · Conventional Mortgage MORIA DEVELOPMENT INC
Feb 2, 2022	Warranty Deed, Transfer OS NATIONAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2022 · Amount on Record
Deed Sale	May 12, 2022 · Amount on Record
Prior Sale	Feb 2, 2022 · Amount on Record
Deed Document Number	2022130339
Deed Book / Page	12251 / 81
Prior Transfer Date	Aug 30, 2011
Prior Transfer Doc	0000154713
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 12, 2022
Property Address	542 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416
Document Number	0000130339
Book / Page	12251 / 81
Map Reference	MB 119 PG 30&31
Instrument Date	May 8, 2022
Instrument	2022130339
Transaction Type	Transfer
Record Updated	May 26, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85281-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	542 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416

Mortgage

Document Number	0001225183
Date	May 12, 2022
Instrument	12251/83

Lender

Name	MORIA DEVELOPMENT INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 2, 2022
Property Address	542 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416
Document Number	0000030190
Book / Page	12100 / 2015
Map Reference	MB 119 PG 30&31
Instrument Date	Jan 28, 2022
Instrument	2022030190
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$1,998.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 MURRAY CT NW, LAKE PLACID, FL 33852-9747

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$187,021 (-2.07%) Land $40,000 Building $147,021	$187,021 (-2.07%) Land $40,000 Building $147,021
2025	$2,758.00 (-18.6%) Homeowner's exemption	$190,969 (-14.07%) Land $40,000 Building $150,969	$190,969 (-14.07%) Land $40,000 Building $150,969
2023	$3,388.00 (+2.17%) Homeowner's exemption	$222,248 (+13.5%) Land $40,000 Building $182,248	$222,248 (+13.5%) Land $40,000 Building $182,248
2022	$3,316.00	$195,807 Land $34,000 Building $161,807	$195,807 Land $34,000 Building $161,807

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 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

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 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.

Drinking Water

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

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, 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

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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