547 Terranova Cir, Winter Haven, FL 33884 Property Records

Polk County property record for 547 Terranova Cir, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,108 sqft · built 2004
Lot Size	0.172 acres (7,475 sqft)
Owner	2 Individual Names on Record
Last Sale	$369,900 (Aug 2022)
Tax Bill	$3,770 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-14-687804-000250`

Property Details

APN / Parcel Number

Primary APN	`26-29-14-687804-000250`
Alternative APNs	`142926687804000250` `42926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,108 sqft Living Area
Gross Area	2,488 sqft
1st Floor Area	2,108 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
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	Patio
Porch Area	172 sqft

Location & Zoning

Street Address	547 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 25
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	25
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 July 20, 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	547 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 10, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Sep 10, 2019	Loan Modification, Mortgage · FHA Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2022 · Amount on Record
Deed Sale	Aug 23, 2022 · Amount on Record
Deed Document Number	2022229367
Deed Book / Page	12390 / 785
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 23, 2022
Property Address	547 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Document Number	0000229367
Book / Page	12390 / 785
Map Reference	MB 119 PG 30&31
Instrument Date	Aug 19, 2022
Instrument	2022229367
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,589.30
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1651, WINTER HAVEN, FL 33882-1651

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	547 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407

Mortgage

Document Number	0012390787
Date	Aug 23, 2022
Instrument	12390/787

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	547 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Document Number	0109910878
Instrument Date	Sep 10, 2019
Transaction Type	Mortgage
Record Updated	Oct 14, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	547 TERRANOVA CIR WINTER HAVEN FL 338843407, WINTER HAVEN, FL 33884-3407

Mortgage

Document Number	0109910878
Date	Oct 1, 2019
Book Page	010991/000878
Instrument	207691

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2049

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	547 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Document Number	0110091098
Instrument Date	Sep 10, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	547 TERRANOVA CIR WINTER HAVEN FL 338843407, WINTER HAVEN, FL 33884-3407

Mortgage

Document Number	0110091098
Date	Oct 17, 2019
Book Page	011009/001098
Instrument	220322

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2049

Interest

Rate	4.37%

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$3,770.00 (-19.65%) Homeowner's exemption	$245,116 (-15.85%) Land $48,000 Building $197,116	$245,116 (-15.85%) Land $48,000 Building $197,116
2023	$4,692.00 (+245.51%) Homeowner's exemption	$291,294 (+155.21%) Land $48,000 Building $243,294	$291,294 (+13.71%) Land $48,000 Building $243,294
2022	$1,358.00 Homeowner's exemption	$114,139	$256,162 Land $40,000 Building $216,162

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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