Polk County property record for 1015 N 12th St, Eagle Lake, FL 33839
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,290 sqft · built 1981 |
| Lot Size | 0.184 acres (8,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $84,900 (Jul 2010) |
| Tax Bill | $1,551 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Jan 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-07-684510-002280 |
| Primary APN | 26-29-07-684510-002280 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,290 sqft Living Area |
| Gross Area | 1,602 sqft |
| 1st Floor Area | 1,290 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,019 sqft (0.184 acres) |
| Lot Dimensions | 100 ft deep x 80 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 50 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 1015 N 12TH ST |
|---|---|
| City | EAGLE LAKE |
| State | FL |
| Zip | 33839-3025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE MC LEOD HILLS PB 58 PG 15 BLK B LOT 28 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 07 |
| Legal Subdivision | LAKE MCLEOD HILLS |
| Legal Tract | 684510 |
| Legal Block | B |
| Legal Lot Number | 28 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 14600 |
Source: Polk County records, as of October 12, 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 | 1015 N 12TH ST, EAGLE LAKE, FL 33839-3025 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Feb 20, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK & TRUST |
| Jan 19, 2023 | Intrafamily Transfer, Transfer · Commercial Mortgage CITIZENS BANK & TRUST |
| Oct 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU |
| Apr 9, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Dec 29, 2017 | Warranty Deed, Transfer · FHA Mortgage RP FNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 15, 2010 · Amount on Record |
| Deed Sale | Jul 15, 2010 · Amount on Record |
| Prior Sale | Jul 6, 1995 · Amount on Record |
| Deed Document Number | 2010110779 |
| Deed Book / Page | 8178 / 746 |
| Last Transfer Date | Jan 19, 2023 |
| Transfer Doc | 0000013799 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1015 N 12TH ST, EAGLE LAKE, FL 33839-3025 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1015 N 12TH STREET, DUNDEE, FL 33838 |
| Document Number | 0000040415 |
|---|---|
| Date | Feb 20, 2023 |
| Book Page | 12588/872 |
| Instrument | 2023040415 |
| Name | CITIZENS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33684 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 19, 2023 |
| Property Address | 1015 N 12TH ST, EAGLE LAKE, FL 33839-3025 |
| Document Number | 0000013799 |
| Book / Page | 12555 / 415 |
| Map Reference | MB 58 PG 15 |
| Instrument Date | Jan 19, 2023 |
| Instrument | 2023013799 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2023 |
| Title Company | RIDGE SECURITY TITLE INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 437 N 3RD ST, EAGLE LAKE, FL 33839-3155 |
| Name | Verified Name |
|---|---|
| Address | 1015 N 12TH ST, EAGLE LAKE, FL 33839-3025 |
| Document Number | 0012555417 |
|---|---|
| Date | Jan 19, 2023 |
| Instrument | 12555/417 |
| Name | CITIZENS BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1015 N 12TH ST, EAGLE LAKE, FL 33839-3025 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1015 N 12TH ST, EAGLE LAKE, FL 33839-3025 |
| Document Number | 0000278753 |
|---|---|
| Date | Oct 26, 2021 |
| Book Page | 11953/1144 |
| Instrument | 2021278753 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1015 N 12TH ST, EAGLE LAKE, FL 33839-3025 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1015 N 12TH ST, EAGLE LAKE, FL 33839-3025 |
| Document Number | 0000090617 |
|---|---|
| Date | Apr 9, 2021 |
| Book Page | 11661/890 |
| Instrument | 2021090617 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 321 Months |
| Due | Jan 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 29, 2017 |
| Property Address | 1015 N 12TH ST, EAGLE LAKE, FL 33839-3025 |
| Document Number | 0103542155 |
| Book / Page | 010354 / 002155 |
| Instrument Date | Dec 20, 2017 |
| Instrument | 250873 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2018 |
| Title Company | RIDGE SECURITY TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $910.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 437 N 3RD ST EAGLE LAKE FL 338393155, EAGLE LAKE, FL 33839-3155 |
| Document Number | 103542157 |
|---|---|
| Date | Dec 29, 2017 |
| Book Page | 010354/002157 |
| Instrument | 250874 |
| Name | RP FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | MAITLAND, FL 32751 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 28, 2047 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Eagle Lake City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $125,664 (+2.7%) | $195,383 (-0.95%) Land $29,000 Building $166,383 | |
| 2025 | $1,551.00 (-9.19%) Homeowner's exemption | $122,360 (+5.99%) | $197,258 (+2.63%) Land $29,000 Building $168,258 |
| 2023 | $1,708.00 (+4.15%) Homeowner's exemption | $115,449 (+3%) | $192,209 (+5.58%) Land $28,000 Building $164,209 |
| 2022 | $1,640.00 Homeowner's exemption | $112,086 | $182,044 Land $23,000 Building $159,044 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 19 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 19 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF EAGLE LAKE serves 2,600 people · EPA ID FL6530492 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 3 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 160 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures