544 Terranova Cir, Winter Haven, FL 33884 Property Records

Polk County property record for 544 Terranova Cir, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,673 sqft · built 2003
Lot Size	0.172 acres (7,475 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Jun 2025)
Tax Bill	$3,131 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-14-687804-000430`

Property Details

APN / Parcel Number

Primary APN	`26-29-14-687804-000430`
Alternative APNs	`142926687804000430` `42926000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,673 sqft Living Area
Gross Area	2,093 sqft
1st Floor Area	1,673 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	420 sqft
Porch	Screened/Unfinished Porch
Porch Area	129 sqft

Location & Zoning

Street Address	544 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 43
Legal Range	26E
Legal Township	29S
Legal Section	14
Legal Subdivision	TERRANOVA PHASE I
Legal Phase	I
Legal Block	4
Legal Lot Number	43
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	Individual Name on Record
Mailing Address	544 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2025	Warranty Deed, Transfer · Conventional Mortgage SOUTHSTATE BANK NA
Aug 4, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERIFIRST FINANCIAL CORP
Jul 31, 2020	Warranty Deed, Transfer AMERIFIRST FIN'L CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2025 · Amount on Record
Deed Sale	Jun 20, 2025 · Amount on Record
Prior Sale	Jul 31, 2020 · Amount on Record
Deed Document Number	2025143539
Deed Book / Page	13592 / 430
Prior Transfer Date	Oct 15, 2010
Prior Transfer Doc	0000164854
Record Updated	Oct 29, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 20, 2025
Property Address	544 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416
Document Number	0000143539
Book / Page	13592 / 430
Map Reference	MB 119 PG 30&31
Instrument Date	Jun 16, 2025
Instrument	2025143539
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	LAKELAND TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4275 5TH ST NE, MINNEAPOLIS, MN 55421-2861

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	544 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416

Mortgage

Document Number	0013592432
Date	Jun 20, 2025
Instrument	13592/432

Lender

Name	SOUTHSTATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	544 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416
Transaction Type	Mortgage
Record Updated	Aug 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	544 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416

Mortgage

Document Number	0000202238
Date	Aug 4, 2021
Book Page	11832/1896
Instrument	2021202238

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 31, 2020
Property Address	544 TERRANOVA CIR, WINTER HAVEN, FL 33884-3416
Document Number	0113182105
Book / Page	011318 / 002105
Instrument Date	Jul 27, 2020
Instrument	154681
Transaction Type	Transfer
Record Updated	Dec 4, 2020
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TITLE GRP/LAKELAND LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	544 TERRANOVA CIR WINTER HAVEN FL 338843416, WINTER HAVEN, FL 33884-3416

Mortgage

Document Number	113182107
Date	Jul 31, 2020
Book Page	011318/002107
Instrument	154682

Lender

Name	AMERIFIRST FIN'L CORP
Address	950 TRADE CENTRE WAY # 400, PORTAGE, MI 49002-0493

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2050

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		$201,602 (-4.42%) Land $40,000 Building $161,602	$201,602 (-4.42%) Land $40,000 Building $161,602
2025	$3,131.00 (-7.64%)	$210,926 (-5.15%) Land $40,000 Building $170,926	$210,926 (-14.28%) Land $40,000 Building $170,926
2023	$3,390.00 (+2.91%) Homeowner's exemption	$222,372 (+3%)	$246,071 (+13.98%) Land $40,000 Building $206,071
2022	$3,294.00 Homeowner's exemption	$215,895 Land $34,000 Building $181,895	$215,895 Land $34,000 Building $181,895

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.

Nearby Properties on Terranova Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures