543 Terranova Cir, Winter Haven, FL 33884 Property Records

Polk County property record for 543 Terranova Cir, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,118 sqft · built 2003
Lot Size	0.172 acres (7,475 sqft)
Owner	Individual Name on Record
Last Sale	$22,000 (Jul 2003)
Tax Bill	$1,922 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Mar 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-14-687804-000230`

Property Details

APN / Parcel Number

Primary APN	`26-29-14-687804-000230`
Alternative APNs	`142926687804000230` `42926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,118 sqft Living Area
Gross Area	2,538 sqft
1st Floor Area	2,118 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	420 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Porch	Screened/Unfinished Porch
Porch Area	202 sqft
Patio Area	50 sqft

Location & Zoning

Street Address	543 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 23
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	23
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4020
Census Tract	14501

Owner

Source: Polk County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	543 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BK
Mar 5, 2019	Loan Modification, Mortgage NOT AVAILABLE
Aug 1, 2018	Loan Modification, Mortgage · Conventional Mortgage CENTERSTATE BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2003 · Amount on Record
Deed Sale	Jul 16, 2003 · Amount on Record
Deed Document Number	2003138854
Deed Book / Page	5434 / 701
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	543 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Document Number	0112251080
Instrument Date	Apr 29, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	INTEGRITY FIRST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 TERRANOVA CIR WINTER HAVEN FL 338843407, WINTER HAVEN, FL 33884-3407

Mortgage

Document Number	0112251080
Date	May 5, 2020
Book Page	011225/001080
Instrument	91260

Lender

Name	TRUIST BK
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 4, 2050

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	543 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Document Number	0108040585
Instrument Date	Mar 5, 2019
Transaction Type	Mortgage
Record Updated	Apr 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	543 TERRANOVA CIR WINTER HAVEN FL 338843407, WINTER HAVEN, FL 33884-3407

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	543 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Document Number	0105901198
Instrument Date	Aug 1, 2018
Transaction Type	Mortgage
Record Updated	Sep 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	543 TERRANOVA CIR WINTER HAVEN FL 338843407, WINTER HAVEN, FL 33884-3407

Mortgage

Document Number	0105901198
Date	Aug 23, 2018
Book Page	010590/001198
Instrument	180089

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	WINTER HAVEN, FL 33884

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$155,349 (+2.7%)	$279,134 (+4.43%) Land $48,000 Building $231,134
2025	$1,922.00 (+7.25%) Homeowner's exemption	$151,265 (+5.99%)	$267,304 (-14.35%) Land $48,000 Building $219,304
2023	$1,792.00 (-1.16%) Homeowner's exemption	$142,720 (+3%)	$312,097 (+12.9%) Land $48,000 Building $264,097
2022	$1,813.00 Homeowner's exemption	$138,563	$276,431 Land $40,000 Building $236,431

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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