604 Terranova Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 604 Terranova Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,794 sqft · built 2004
Lot Size	0.172 acres (7,475 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Jan 2023)
Tax Bill	$2,556 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Sep 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-14-687806-000780`

Property Details

APN / Parcel Number

Primary APN	`26-29-14-687806-000780`
Alternative APNs	`142926687806000780` `42926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,794 sqft Living Area
Gross Area	2,194 sqft
1st Floor Area	1,794 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
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	400 sqft
Porch	Unfinished Open Porch
Porch Area	38 sqft

Location & Zoning

Street Address	604 TERRANOVA DR
City	WINTER HAVEN
State	FL
Zip	33884-3428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TERRANOVA PHASE IA PLAT BOOK 122 PGS 31 & 32 LOT 78
Legal Range	26E
Legal Township	29S
Legal Section	14
Legal Subdivision	TERRANOVA PHASE 1A
Legal Tract	687806
Legal Block	4
Legal Lot Number	78
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4021
Census Tract	14501

Owner

604 Terranova Dr is owned and occupied by two individuals who bought it in January 2023.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	604 TERRANOVA DR, WINTER HAVEN, FL 33884-3428
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2023	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 23, 2020	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
May 18, 2017	Warranty Deed, Transfer · FHA Mortgage RP FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2023 · Amount on File
Deed Sale	Jan 17, 2023 · Amount on File
Prior Sale	May 18, 2017 · Amount on File
Deed Document Number	202312245
Deed Book / Page	12553 / 367
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 17, 2023
Property Address	604 TERRANOVA DR, WINTER HAVEN, FL 33884-3428
Document Number	0000012245
Book / Page	12553 / 367
Map Reference	MB 122 PG 31
Instrument Date	Jan 12, 2023
Instrument	2023012245
Transaction Type	Transfer
Record Updated	Feb 1, 2023
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1004 LAGUNA LOOP, DAVENPORT, FL 33896-5687

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	604 TERRANOVA DR, WINTER HAVEN, FL 33884-3428

Mortgage

Document Number	0012553372
Date	Jan 17, 2023
Instrument	12553/372

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	604 TERRANOVA DR, WINTER HAVEN, FL 33884-3428
Document Number	0114281448
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Nov 6, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	604 TERRANOVA DR WINTER HAVEN FL 338843428, WINTER HAVEN, FL 33884-3428

Mortgage

Document Number	0114281448
Date	Oct 26, 2020
Book Page	011428/001448
Instrument	226700

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 18, 2017
Property Address	604 TERRANOVA DR, WINTER HAVEN, FL 33884-3428
Document Number	0101500564
Book / Page	010150 / 000564
Instrument Date	May 12, 2017
Instrument	94750
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,106.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 TERRANOVA DR WINTER HAVEN FL 338843428, WINTER HAVEN, FL 33884-3428

Mortgage

Document Number	101500565
Date	May 18, 2017
Book Page	010150/000565
Instrument	94751

Lender

Name	RP FNDG
Type	Funding / Finance Company
Address	MAITLAND, FL 32751

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 17, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 604 Terranova Dr was $2,556 with exemptions applied.

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		$206,828 (-4.04%) Land $40,000 Building $166,828	$206,828 (-4.04%) Land $40,000 Building $166,828
2025	$2,556.00 Homeowner's exemption	$215,526 Land $40,000 Building $175,526	$215,526 Land $40,000 Building $175,526
2023	$4,107.00 (+10.14%)	$252,076 (+13.18%) Land $40,000 Building $212,076	$252,076 (+13.18%) Land $40,000 Building $212,076
2022	$3,729.00	$222,712 Land $34,000 Building $188,712	$222,712 Land $34,000 Building $188,712

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 604 Terranova Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 604 Terranova Dr is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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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