862 Terranova Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 862 Terranova Rd, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,751 sqft · built 2011
Lot Size	0.209 acres (9,100 sqft)
Owner	2 Individual Names on File
Last Sale	$186,000 (May 2019)
Tax Bill	$2,761 (2025)
Deeds & Mortgages	May 2023 Transfer Apr 2023 Line of Credit + 6 more
Flood Zone	Zone AE (high risk)
APN	`26-29-14-687811-000080`

Property Details

APN / Parcel Number

Primary APN	`26-29-14-687811-000080`
Alternative APNs	`142926687811000080` `42926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,751 sqft Living Area
Gross Area	2,231 sqft
1st Floor Area	1,751 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	9,100 sqft (0.209 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	480 sqft
Porch	Unfinished Open Porch
Porch Area	109 sqft

Location & Zoning

Street Address	862 TERRANOVA RD
City	WINTER HAVEN
State	FL
Zip	33884-3440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TERRANOVA PHASE V-A PB 135 PGS 37 & 38 LOT 8
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	8
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4026
Census Tract	14501

Owner

862 Terranova Rd is owned and occupied by two individuals who acquired it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	862 TERRANOVA RD, WINTER HAVEN, FL 33884-3440
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
May 17, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 12, 2023	Intrafamily Transfer, Transfer · Line of Credit COMMUNITY CU OF FLORIDA
Mar 13, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Feb 9, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Mar 19, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 1, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
May 1, 2019	Warranty Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS
Feb 12, 2019	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2019 · Amount on File
Deed Sale	May 1, 2019 · Amount on File
Prior Sale	Jan 19, 2012 · Amount on File
Deed Document Number	201989547
Deed Book / Page	10828 / 851
Last Transfer Date	May 5, 2023
Transfer Doc	0000114781
Record Updated	Oct 29, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	May 17, 2023
Property Address	862 TERRANOVA RD, WINTER HAVEN, FL 33884-3440
Document Number	0000114781
Book / Page	12693 / 1999
Map Reference	MB 135 PG 37&38
Instrument Date	May 5, 2023
Instrument	2023114781
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	862 TERRANOVA RD, WINTER HAVEN, FL 33884-3440

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 TERRANOVA RD, WINTER HAVEN, FL 33884-3440

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Apr 12, 2023
Property Address	862 TERRANOVA RD, WINTER HAVEN, FL 33884-3440
Document Number	0000084037
Book / Page	12649 / 1008
Map Reference	MB 135 PG 37&38
Instrument Date	Mar 27, 2023
Instrument	2023084037
Transaction Type	Transfer
Record Updated	Apr 26, 2023
Title Company	FEDERAL TITLE, FEDERAL TITLE INS AGCY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	862 TERRANOVA RD, WINTER HAVEN, FL 33884-3440

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 TERRANOVA RD, WINTER HAVEN, FL 33884-3440

Mortgage

Document Number	0126491009
Date	Apr 12, 2023
Instrument	12649/1009

Lender

Name	COMMUNITY CU OF FLORIDA
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Mar 13, 2023
Property Address	862 TERRANOVA RD, WINTER HAVEN, FL 33884-3440
Document Number	0000058587
Book / Page	12614 / 63
Map Reference	MB 135 PG 37&38
Instrument Date	Mar 10, 2023
Instrument	2023058587
Transaction Type	Transfer
Record Updated	Mar 23, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	862 TERRANOVA RD, WINTER HAVEN, FL 33884-3440

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 TERRANOVA RD, WINTER HAVEN, FL 33884-3440

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Feb 9, 2023
Property Address	862 TERRANOVA RD, WINTER HAVEN, FL 33884-3440
Document Number	0000032024
Book / Page	12578 / 1765
Map Reference	MB 135 PG 37&38
Instrument Date	Feb 8, 2023
Instrument	2023032024
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	862 TERRANOVA RD, WINTER HAVEN, FL 33884-3440

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 TERRANOVA RD, WINTER HAVEN, FL 33884-3440

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	862 TERRANOVA RD, WINTER HAVEN, FL 33884-3440
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 TERRMQOVA RD, WINTER HAVEN, FL 33884

Mortgage

Document Number	0000070579
Date	Mar 19, 2021
Book Page	11629/1929
Instrument	2021070579

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	862 TERRANOVA RD, WINTER HAVEN, FL 33884-3440
Document Number	0112370756
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 TERRANOVA RD WINTER HAVEN FL 338843440, WINTER HAVEN, FL 33884-3440

Mortgage

Document Number	0112370756
Date	May 18, 2020
Book Page	011237/000756
Instrument	99474

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 17, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 1, 2019
Property Address	862 TERRANOVA RD, WINTER HAVEN, FL 33884-3440
Document Number	0108280851
Book / Page	010828 / 000851
Instrument Date	Apr 26, 2019
Instrument	89547
Transaction Type	Transfer
Record Updated	May 20, 2019
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,302.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 TERRANOVA RD WINTER HAVEN FL 338843440, WINTER HAVEN, FL 33884-3440

Mortgage

Document Number	108280852
Date	May 1, 2019
Book Page	010828/000852
Instrument	89548

Lender

Name	HOME SOLUTION LENDERS
Type	Funding / Finance Company
Address	BARTOW, FL 33830

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2049

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	862 TERRANOVA RD, WINTER HAVEN, FL 33884-3440
Document Number	0107910545
Instrument Date	Feb 12, 2019
Transaction Type	Mortgage
Record Updated	Apr 9, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 TERRANOVA RD WINTER HAVEN FL 338843440, WINTER HAVEN, FL 33884-3440

Mortgage

Document Number	0107910545
Date	Mar 28, 2019
Book Page	010791/000545
Instrument	61879

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 27, 2049

Interest

Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 862 Terranova Rd was $2,761 with a homeowner's exemption.

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		$196,298 (+2.7%)	$217,175 (-4.2%) Land $40,000 Building $177,175
2025	$2,761.00 Homeowner's exemption	$191,137	$226,692 Land $40,000 Building $186,692
2023	$2,596.00 (+3.1%) Homeowner's exemption	$180,340 (+3%)	$265,029 (+14.05%) Land $40,000 Building $225,029
2022	$2,518.00 Homeowner's exemption	$175,087	$232,379 Land $34,000 Building $198,379

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

Flood

FEMA maps place 862 Terranova Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	139.7 ft
Flood Insurance Requirement	Required federally backed loans
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 862 Terranova Rd is moderate, ranking above 53% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 75% 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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