Polk County property record for 838 Terranova Rd, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2007 |
| Square Footage | 1,712 sqft Living Area |
| Lot Size | 9,230 sqft (0.212 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $46,000 (2007) |
| Tax Bill | $1,299.00 (2025) |
| Primary APN | 26-29-14-687811-000020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,712 sqft Living Area |
| Gross Area | 2,112 sqft Gross Area |
| 1st Floor | 1,712 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Stucco Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Hip Roof Construction |
| Roof Material | Other (not Classified) Roof |
| Lot Area | 9,230 sqft (0.212 acres) |
| Garage Type | Attached Garage |
| Garage Area | 400 sqft Garage |
| Porch Area | 174 sqft Porch |
| Street Address | 838 TERRANOVA RD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3440 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | TERRANOVA PHASE V-A PB 135 PGS 37 & 38 LOT 2 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 14 |
| Legal Subdivision | TERRANOVA PHASE V - A |
| Legal Phase | V |
| Legal Tract | 687811 |
| Legal Block | 4 |
| Legal Lot Number | 2 |
| Jurisdiction | POLK FL |
| Minor Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Blockgroup | 4 |
| Census Block | 4026 |
| Census Tract | 14501 |
Source: Polk County records · APN 26-29-14-687811-000020
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 | Individual Name on File |
|---|---|
| Mailing Address | 838 TERRANOVA RD, WINTER HAVEN, FL 33884-3440 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 09, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Jul 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOME PT FIN'L |
| Aug 26, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage HOME PT FIN'L |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 06, 2007 · Amount on Record |
| Deed Sale | Sep 06, 2007 · Amount on Record |
| Prior Sale | Jul 12, 2006 · Amount on Record |
| Deed Doc Number | 2007188248 |
| Deed Book / Page | 7418 / 791 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 838 TERRANOVA RD, WINTER HAVEN, FL 33884-3440 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 838 TERRANOVA RD, WINTER HAVEN, FL 33884-3440 |
| Document Number | 0000063116 |
|---|---|
| Date | Mar 09, 2022 |
| Book Page | 12152/401 |
| Instrument | 2022063116 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 838 TERRANOVA RD, WINTER HAVEN, FL 33884-3440 |
| Document Number | 0113180824 |
| Instrument Date | Jul 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 838 TERRANOVA RD WINTER HAVEN FL 338843440, WINTER HAVEN, FL 33884-3440 |
| Document Number | 0113180824 |
|---|---|
| Date | Jul 31, 2020 |
| Book Page | 011318/000824 |
| Instrument | 154438 |
| Name | HOME PT FIN'L |
|---|---|
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 30, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 838 TERRANOVA RD, WINTER HAVEN, FL 33884-3440 |
| Document Number | 0102520527 |
| Book / Page | 010252 / 000527 |
| Instrument Date | Aug 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 838 TERRANOVA RD WINTER HAVEN FL 338843440, WINTER HAVEN, FL 33884-3440 |
| Document Number | 0102520527 |
|---|---|
| Date | Sep 01, 2017 |
| Book Page | 010252/000527 |
| Instrument | 170774 |
| Name | HOME PT FIN'L |
|---|---|
| Address | PARSIPPANY, NJ 07054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 31, 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 | $1,299.00 (+7.98%) Homeowner's exemption | $112,935 (+5.99%) | $221,535 (-14.29%) Land $40,000 Building $181,535 |
| 2023 | $1,203.00 (+4.25%) Homeowner's exemption | $106,555 (+3%) | $258,471 (+14.96%) Land $40,000 Building $218,471 |
| 2022 | $1,154.00 Homeowner's exemption | $103,451 | $224,837 Land $34,000 Building $190,837 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 139.7 ft |
| Wildfire Risk | Moderate above 55% of the US · above 26% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 625 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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