555 Terranova Cir, Winter Haven, FL 33884 Property Records

Polk County property record for 555 Terranova Cir, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,728 sqft · built 2005
Lot Size	0.167 acres (7,275 sqft)
Owner	2 Individual Names on Record
Last Sale	$194,500 (Dec 2019)
Tax Bill	$2,862 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-14-687804-000290`

Property Details

APN / Parcel Number

Primary APN	`26-29-14-687804-000290`
Alternative APNs	`142926687804000290` `42926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,728 sqft Living Area
Gross Area	2,128 sqft
1st Floor Area	1,728 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	7,275 sqft (0.167 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Screened/Unfinished Porch
Porch Area	126 sqft

Location & Zoning

Street Address	555 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 29
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	29
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 June 23, 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	555 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Dec 3, 2019	Warranty Deed, Transfer · Conventional with PMI CITADEL SVCNG CORP
Jul 24, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2019 · Amount on Record
Deed Sale	Dec 3, 2019 · Amount on Record
Prior Sale	Feb 2, 2005 · Amount on Record
Deed Document Number	2019255543
Deed Book / Page	11061 / 252
Prior Transfer Date	Jul 17, 2019
Prior Transfer Doc	0000154410
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	555 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Transaction Type	Mortgage
Record Updated	Aug 27, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	555 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407

Mortgage

Document Number	0000209907
Date	Aug 12, 2021
Book Page	11844/1138
Instrument	2021209907

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 3, 2019
Property Address	555 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Document Number	0110610252
Book / Page	011061 / 000252
Instrument Date	Nov 26, 2019
Instrument	255543
Transaction Type	Transfer
Record Updated	Dec 18, 2019
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,361.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	780 SMALL OAK LN LAKELAND FL 338052359, LAKELAND, FL 33805-2359

Mortgage

Document Number	110610254
Date	Dec 3, 2019
Book Page	011061/000254
Instrument	255544

Lender

Name	CITADEL SVCNG CORP
Address	IRVINE, CA 92618

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.12%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 24, 2019
Property Address	555 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407
Document Number	0109161909
Book / Page	010916 / 001909
Instrument Date	Jul 17, 2019
Instrument	154410
Transaction Type	Transfer
Record Updated	Aug 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	9110 SE 72ND AVE OCALA FL 344723443, OCALA, FL 34472-3443
Investor	Possibly a Property Investor

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	$2,862.00 (+6.32%) Homeowner's exemption	$196,514 (+5.99%)	$218,681 (-16.18%) Land $48,000 Building $170,681
2023	$2,692.00 (+3.1%) Homeowner's exemption	$185,414 (+3%)	$260,904 (+15.36%) Land $48,000 Building $212,904
2022	$2,611.00 Homeowner's exemption	$180,014	$226,163 Land $40,000 Building $186,163

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 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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