NOT LISTED FOR SALE

521 Terranova Cir Winter Haven, FL 33884

Southeast Winterhaven Neighborhood

Estimated Value: $297,000 - $307,000

3 Beds
2 Baths
1,661 Sq Ft
$182/Sq Ft Est. Value

Sale Details

Date Sold: December 3, 2025

Last sale price $309,000 $186 Per Sq Ft

Est. 2% decrease in value since last sale

Current estimated payment $2,061 / mo

About This Home

One or more photo(s) has been virtually staged. Picture this: you roll through the gates of Terranova, wave at a neighbor walking their dog, and pull into your own driveway knowing the day’s chaos is officially behind you. This 3-bed, 2-bath pool home is the one you’ve been daydreaming about—the perfect canvas to splash your style all over.
Step inside and the big front window pours light into the open living room, whispering “make me yours.” The kitchen’s ready for your gourmet upgrades or cozy family meals, and the separate dining room is just waiting for your personal touch on those holiday gatherings.
The primary suite is your private retreat: dual sinks for smooth mornings, a garden tub for soaking away the day, and a walk-in shower that’s all set for your spa-inspired tweaks. Two more bedrooms give everyone room to grow, dream, and decorate however they like.
Out back is where the magic happens. West-facing means your screened pool and porch stay blissfully shaded through those steamy Florida afternoons—ideal for lazy floats, poolside chats, or evening dips under the stars. That 10x12 bonus room? Add a door for a fourth bedroom, or transform it into your dream office, playroom, or hobby haven.
With a brand-new roof (September 2025) and fresh exterior paint (October 2025), the big stuff’s handled—so you can dive into the fun cosmetic updates that’ll truly make this house your home. Think fresh paint in your favorite hues, updated fixtures, or whatever vision you’ve got brewing. The walking path to Chain of Lakes Elementary is the ultimate family perk—no more school rush stress.
This pool home in a gated gem of a neighborhood is brimming with potential. Come envision your updates, dive into the pool, and start turning it into your forever story. It’s ready when you are.

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Name Owned For Owner Type

Purchase Details

Listed on
Oct 2, 2025
Closed on
Dec 2, 2025
Sold by
Bought by
Seller's Agent
Kim Davis
CROSBY & ASSOCIATES, INC.
Buyer's Agent
Sarah Garner
COLDWELL BANKER REALTY
List Price
$299,990
Sold Price
$309,000
Premium/Discount to List
$9,010
3%
Views
170
Current Estimated Value
$302,242

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$6,758
Avg. Annual Appreciation
-3.40%
Original Mortgage
$303,403
Outstanding Balance
$301,253
Interest Rate
5.99%
Mortgage Type
FHA
Estimated Equity
$989

Purchase Details

Listed on
Mar 8, 2012
Closed on
May 15, 2012
Sold by
Bought by
Seller's Agent
Gloria Bragg
TOWN & COUNTRY REAL ESTATE
Buyer's Agent
Michael Krigelski
A+ REALTY LLC
List Price
$105,000
Sold Price
$105,000

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
8.29%
Original Mortgage
$113,265
Interest Rate
4.01%
Mortgage Type
New Conventional

Purchase Details

Closed on
Jan 26, 2012
Sold by
Bought by

Purchase Details

Closed on
Feb 12, 2003
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$116,217
Interest Rate
6%
Mortgage Type
FHA
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
Collateral Analytics

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ICE

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Average Value
Not Available
List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Buyer Sale Price Title Company
$309,000 Southern Heritage Title
$105,000 Midflorida Title Professiona
-- None Available
$118,100 --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Borrower Loan Amount
Open $303,403
Closed $113,265
Previous Owner $116,217
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft Prior Sale
12/03/2025 12/03/25 Sold $309,000 0.0% $186 / Sq Ft View Prior Sale
11/08/2025 11/08/25 Pending -- -- --
10/15/2025 10/15/25 Price Changed $309,000 +3.0% $186 / Sq Ft
10/02/2025 10/02/25 For Sale $299,990 +185.7% $181 / Sq Ft
05/26/2015 05/26/15 Off Market $105,000 -- --
05/16/2012 05/16/12 Sold $105,000 0.0% $63 / Sq Ft View Prior Sale
03/16/2012 03/16/12 Pending -- -- --
03/08/2012 03/08/12 For Sale $105,000 -- $63 / Sq Ft

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $4,163 $222,634 $40,000 $182,634
2024 $4,298 $227,304 $40,000 $187,304
2023 $4,298 $215,708 $0 $0
2022 $3,902 $196,098 $0 $0
2021 $3,525 $178,271 $31,000 $147,271
2020 $3,343 $168,087 $30,000 $138,087
2018 $3,041 $148,381 $23,000 $125,381
2017 $2,669 $137,600 $0 $0
2016 $2,717 $130,126 $0 $0
2015 $1,739 $127,743 $0 $0
2014 $1,811 $126,729 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • Kim Davis

    Seller's Agent in 2025

    Kim Davis

    CROSBY & ASSOCIATES, INC.

    (850) 625-8855

    7 in this area

    43 Total Sales

    Kim Davis
    Section Image

  • S

    Buyer's Agent in 2025

    Sarah Garner

    COLDWELL BANKER REALTY

    (863) 303-4665

    2 in this area

    8 Total Sales

    Sarah Garner
    Section Image
  • Gloria Bragg

    Seller's Agent in 2012

    Gloria Bragg

    TOWN & COUNTRY REAL ESTATE

    (863) 412-2184

    6 Total Sales

    Gloria Bragg
    Section Image
  • Michael Krigelski

    Buyer's Agent in 2012

    Michael Krigelski

    A+ REALTY LLC

    (863) 651-7272

    61 in this area

    61 Total Sales

    Michael Krigelski
    Section Image
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Map

Florida Polk County Winter Haven 33884 Southeast Winterhaven

521 Terranova Cir, Winter Haven, FL

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

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