819 Terranova Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 819 Terranova Rd, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,696 sqft · built 2006
Lot Size	0.197 acres (8,586 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Sep 2021)
Tax Bill	$4,024 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-14-687808-000340`

Property Details

APN / Parcel Number

Primary APN	`26-29-14-687808-000340`
Alternative APNs	`142926687808000340` `42926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,696 sqft Living Area
Gross Area	2,096 sqft
1st Floor Area	1,696 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	8,586 sqft (0.197 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Screened/Unfinished Porch
Porch Area	144 sqft

Location & Zoning

Street Address	819 TERRANOVA RD
City	WINTER HAVEN
State	FL
Zip	33884-3441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TERRANOVA PHASE V PLAT BOOK 129 PGS 4 & 5 LOT 34
Legal Range	26E
Legal Township	29S
Legal Section	14
Legal Subdivision	TERRANOVA PHASE V
Legal Phase	V
Legal Tract	687808
Legal Block	4
Legal Lot Number	34
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4026
Census Tract	14501

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	819 TERRANOVA RD, WINTER HAVEN, FL 33884-3441
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 14, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Jun 9, 2017	Warranty Deed, Transfer · VA Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2021 · Amount on Record
Deed Sale	Sep 24, 2021 · Amount on Record
Prior Sale	Feb 14, 2020 · Amount on Record
Deed Document Number	2021250429
Deed Book / Page	11908 / 2191
Prior Transfer Date	Oct 6, 2009
Prior Transfer Doc	0000179300
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 24, 2021
Property Address	819 TERRANOVA RD, WINTER HAVEN, FL 33884-3441
Document Number	0000250429
Book / Page	11908 / 2191
Map Reference	MB 129 PG 4&5
Instrument Date	Sep 13, 2021
Instrument	2021250429
Transaction Type	Transfer
Record Updated	Oct 7, 2021
Title Company	SAINT LAWRENCE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	819 TERRANOVA RD, WINTER HAVEN, FL 33884-3441

Mortgage

Document Number	0119082193
Date	Sep 24, 2021
Instrument	11908/2193

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 14, 2020
Property Address	819 TERRANOVA RD, WINTER HAVEN, FL 33884-3441
Document Number	0111402195
Book / Page	011140 / 002195
Instrument Date	Jan 29, 2020
Instrument	34539
Transaction Type	Transfer
Record Updated	Mar 9, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,421.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	200 BUFORD CIR DAVENPORT FL 33896, DAVENPORT, FL 33896

Mortgage

Document Number	111402197
Date	Feb 14, 2020
Book Page	011140/002197
Instrument	34540

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 9, 2017
Property Address	819 TERRANOVA RD, WINTER HAVEN, FL 33884-3441
Document Number	0101710122
Book / Page	010171 / 000122
Instrument Date	Jun 6, 2017
Instrument	109745
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,211.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	819 TERRANOVA RD WINTER HAVEN FL 338843441, WINTER HAVEN, FL 33884-3441

Mortgage

Document Number	101710124
Date	Jun 9, 2017
Book Page	010171/000124
Instrument	109746

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Mortgage Company
Address	110 E PINE ST, LAKELAND, FL 33801-4965

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 8, 2047

Tax Assessment & Valuation

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		$206,691 (-3.98%) Land $40,000 Building $166,691	$206,691 (-3.98%) Land $40,000 Building $166,691
2025	$4,024.00 (-13.14%)	$215,249 (-14.41%) Land $40,000 Building $175,249	$215,249 (-14.41%) Land $40,000 Building $175,249
2023	$4,633.00 (+10.31%)	$251,486 (+13.92%) Land $40,000 Building $211,486	$251,486 (+13.92%) Land $40,000 Building $211,486
2022	$4,200.00	$220,759 Land $34,000 Building $186,759	$220,759 Land $34,000 Building $186,759

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 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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