Polk County property record for 561 Terranova Cir, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,640 sqft · built 2002 |
| Lot Size | 0.194 acres (8,451 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (Oct 2019) |
| Tax Bill | $2,967 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Dec 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-14-687804-000320 |
| Primary APN | 26-29-14-687804-000320 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,640 sqft Living Area |
| Gross Area | 2,081 sqft |
| 1st Floor Area | 1,640 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,451 sqft (0.194 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Pool Area | 392 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 185 sqft |
| Street Address | 561 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 32 |
| 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 | 32 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 14501 |
Source: Polk County records · APN 26-29-14-687804-000320
Assessment roll updated June 23, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 561 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 10, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Dec 28, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 03, 2019 | Warranty Deed, Transfer · FHA Mortgage PRIMARY RESID'L MTG |
| Apr 09, 2019 | Deed of Trust, Mortgage · Conventional with PMI RP FNDG |
| Feb 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NBRHD MTG ACCPTNC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 03, 2019 · Amount on Record |
| Deed Sale | Oct 03, 2019 · Amount on Record |
| Prior Sale | Jul 09, 2014 · Amount on Record |
| Deed Document Number | 2019210050 |
| Deed Book / Page | 10994 / 2061 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 561 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 561 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0000239466 |
|---|---|
| Date | Oct 10, 2023 |
| Book Page | 12868/973 |
| Instrument | 2023239466 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Sep 28, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 561 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 561 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0000336481 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 12045/546 |
| Instrument | 2021336481 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 03, 2019 |
| Property Address | 561 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0109942061 |
| Book / Page | 010994 / 002061 |
| Instrument Date | Sep 27, 2019 |
| Instrument | 210050 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2019 |
| Title Company | FIRST AMERICAN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 561 TERRANOVA CIR WINTER HAVEN FL 338843407, WINTER HAVEN, FL 33884-3407 |
| Document Number | 109942063 |
|---|---|
| Date | Oct 03, 2019 |
| Book Page | 010994/002063 |
| Instrument | 210051 |
| Name | PRIMARY RESID'L MTG |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84116 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 02, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 561 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0108160309 |
| Instrument Date | Apr 09, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 07, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 561 TERRANOVA CIR WINTER HAVEN FL 338843407, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0108160309 |
|---|---|
| Date | Apr 22, 2019 |
| Book Page | 010816/000309 |
| Instrument | 80629 |
| Name | RP FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | LAKE MARY, FL 32746 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 21, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 561 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0100930275 |
| Book / Page | 010093 / 000275 |
| Instrument Date | Feb 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2017 |
| Name | Verified Name |
|---|---|
| Address | 561 TERRANOVA CIR WINTER HAVEN FL 338843407, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0100930275 |
|---|---|
| Date | Mar 16, 2017 |
| Book Page | 010093/000275 |
| Instrument | 51184 |
| Name | AMERICAN NBRHD MTG ACCPTNC |
|---|---|
| Type | Mortgage Company |
| Address | LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 15, 2047 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,967.00 (+6.27%) Homeowner's exemption | $202,132 (+5.99%) | $233,604 (-14.34%) Land $40,000 Building $193,604 |
| 2023 | $2,792.00 (+3.06%) Homeowner's exemption | $190,714 (+3%) | $272,721 (+14.66%) Land $40,000 Building $232,721 |
| 2022 | $2,709.00 Homeowner's exemption | $185,159 | $237,846 Land $34,000 Building $203,846 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 341 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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