Polk County property record for 565 Terranova Cir, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,448 sqft · built 2003 |
| Lot Size | 0.209 acres (9,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $260,000 (Mar 2026) |
| Tax Bill | $955 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-14-687804-000340 |
| Primary APN | 26-29-14-687804-000340 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,448 sqft Living Area |
| Gross Area | 1,847 sqft |
| 1st Floor Area | 1,448 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 9,100 sqft (0.209 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 237 sqft |
| Street Address | 565 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 34 |
| 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 | 34 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 14501 |
Source: Polk County records · APN 26-29-14-687804-000340
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 | 565 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Mar 24, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 12, 2025 | Warranty Deed, Transfer · Commercial Mortgage WHGG II TRUST |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 24, 2026 · Amount on Record |
| Deed Sale | Mar 24, 2026 · Amount on Record |
| Prior Sale | Sep 12, 2025 · Amount on Record |
| Deed Document Number | 202669750 |
| Deed Book / Page | 13929 / 1521 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 24, 2026 |
| Property Address | 565 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0000069750 |
| Book / Page | 13929 / 1521 |
| Map Reference | MB 119 PG 30 |
| Instrument Date | Mar 23, 2026 |
| Instrument | 2026069750 |
| Transaction Type | Transfer |
| Record Updated | Apr 06, 2026 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 433 S FARMER AVE # AVE500, AVE500, TEMPE, AZ 85281-2875 |
| Name | Verified Name |
|---|---|
| Address | 565 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0139291523 |
|---|---|
| Date | Mar 24, 2026 |
| Instrument | 13929/1523 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 12, 2025 |
| Property Address | 565 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Document Number | 0000213929 |
| Book / Page | 13696 / 1282 |
| Map Reference | MB 119 PG 30&31 |
| Instrument Date | Sep 05, 2025 |
| Instrument | 2025213929 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,435.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 565 TERRANOVA CIR, WINTER HAVEN, FL 33884-3407 |
| Name | Verified Name |
|---|---|
| Address | 433 S FARMER AVE # 500, 500, TEMPE, AZ 85281-2875 |
| Investor | Possibly a Property Investor |
| Document Number | 0137202108 |
|---|---|
| Date | Sep 12, 2025 |
| Instrument | 13720/2108 |
| Name | WHGG II TRUST |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 23 Months |
| Due | Aug 01, 2027 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $955.00 (+4.26%) Homeowner's exemption | $94,547 (+2.9%) | $198,258 (-2.76%) Land $40,000 Building $158,258 |
| 2024 | $916.00 (+4.69%) Homeowner's exemption | $91,882 (+3%) | $203,880 (-11.63%) Land $40,000 Building $163,880 |
| 2023 | $875.00 (+4.92%) Homeowner's exemption | $89,206 (+3%) | $230,719 (+14.94%) Land $40,000 Building $190,719 |
| 2022 | $834.00 Homeowner's exemption | $86,608 | $200,734 Land $34,000 Building $166,734 |
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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