105 Howard St, Eagle Lake, FL 33839 Property Records

Polk County property record for 105 Howard St, Eagle Lake, FL 33839

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 990 sqft · built 1955
Lot Size	0.184 acres (8,011 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Oct 2019)
Tax Bill	$1,018 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage Jun 2019 Loan Modification + 4 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-08-686700-000040`

Property Details

APN / Parcel Number

Primary APN	`26-29-08-686700-000040`
Alternative APNs	`082926686700000040` `82926000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	990 sqft Living Area
Gross Area	1,032 sqft
1st Floor Area	792 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	8,011 sqft (0.184 acres)
Lot Dimensions	90 ft deep x 89 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	240 sqft
Porch	Unfinished Open Porch
Porch Area	306 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	105 HOWARD ST
City	EAGLE LAKE
State	FL
Zip	33839-5611
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWARDS SUB PB 37 PG 18 LOT 4
Legal Range	26E
Legal Township	29S
Legal Section	08
Legal Subdivision	HOWARDS SUBDIVISION
Legal Tract	686700
Legal Block	1
Legal Lot Number	4
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1042
Census Tract	14600

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	105 HOWARD ST, EAGLE LAKE, FL 33839-5611
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2019	Warranty Deed, Transfer · Conventional Mortgage HOUSING FIN AGCY
Jun 7, 2019	Loan Modification, Mortgage · Line of Credit BANK OF CTRL FL
Jun 12, 2019	Warranty Deed, Transfer INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS
May 3, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
May 3, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 3, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2019 · Amount on Record
Deed Sale	Oct 29, 2019 · Amount on Record
Prior Sale	Jun 12, 2019 · Amount on Record
Deed Document Number	2019228870
Deed Book / Page	11021 / 1673
Prior Transfer Date	Apr 12, 2019
Prior Transfer Doc	0000091890
Record Updated	Oct 29, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 29, 2019
Property Address	105 HOWARD ST, EAGLE LAKE, FL 33839-5611
Document Number	0110211673
Book / Page	011021 / 001673
Instrument Date	Oct 25, 2019
Instrument	228870
Transaction Type	Transfer
Record Updated	Nov 19, 2019
Title Company	INSURED TITLE SERVICES, INSURED TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$944.65
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 HOWARD ST EAGLE LAKE FL 338395611, EAGLE LAKE, FL 33839-5611

Mortgage

Document Number	110211685
Date	Oct 29, 2019
Book Page	011021/001685
Instrument	228872

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2049

Interest

Rate	12%

Mortgage

Document Number	110211674,
Date	Oct 29, 2019
Book Page	011021/001674
Instrument	228871

Lender

Name	HOMETOWN LNDRS
Address	HUNTSVILLE, AL 35806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2049

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	105 HOWARD ST, EAGLE LAKE, FL 33839-5611
Document Number	0108731199
Instrument Date	Jun 7, 2019
Transaction Type	Mortgage
Record Updated	Jun 25, 2019
Title Company	INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1925 E EDGEWOOD DR #105 LAKELAND FL 338033480, 105, LAKELAND, FL 33803-3480
Investor	Possibly a Property Investor

Mortgage

Document Number	0108731199
Date	Jun 12, 2019
Book Page	010873/001199
Instrument	122158

Lender

Name	BANK OF CTRL FL
Type	Bank
Address	5015 S FLORIDA AVE # 200, LAKELAND, FL 33813-5502

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 12, 2019
Property Address	105 HOWARD ST, EAGLE LAKE, FL 33839-5611
Document Number	0108731197
Book / Page	010873 / 001197
Instrument Date	Jun 7, 2019
Instrument	122157
Transaction Type	Transfer
Record Updated	Jun 25, 2019
Title Company	INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$343.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1925 E EDGEWOOD DR #105 LAKELAND FL 338033480, 105, LAKELAND, FL 33803-3480
Investor	Possibly a Property Investor

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	May 3, 2019
Property Address	105 HOWARD ST, EAGLE LAKE, FL 33839-5611
Document Number	0108311866
Book / Page	010831 / 001866
Instrument Date	Apr 15, 2019
Instrument	91891
Transaction Type	Transfer
Record Updated	May 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	304 MAGNETA LOOP AUBURNDALE FL 338239790, AUBURNDALE, FL 33823-9790

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	May 3, 2019
Property Address	105 HOWARD ST, EAGLE LAKE, FL 33839-5611
Document Number	0108311865
Book / Page	010831 / 001865
Instrument Date	Apr 12, 2019
Instrument	91890
Transaction Type	Transfer
Record Updated	May 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 HOWARD ST EAGLE LAKE FL 338395611, EAGLE LAKE, FL 33839-5611

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jan 3, 2017
Property Address	105 HOWARD ST, EAGLE LAKE, FL 33839-5611
Document Number	0100290499
Book / Page	010029 / 000499
Instrument Date	Dec 30, 2016
Instrument	806
Transaction Type	Transfer
Record Updated	Jan 19, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	304 MAGNETA LOOP AUBURNDALE FL 338239790, AUBURNDALE, FL 33823-9790

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$110,957 (-6.74%) Land $5,244 Building $105,713	$110,957 (-7.36%) Land $5,244 Building $105,713
2025	$1,018.00 (-30.08%) Homeowner's exemption	$118,972 (+5.99%)	$119,768 (-21.62%) Land $5,244 Building $114,524
2023	$1,456.00 (+5.58%) Homeowner's exemption	$112,251 (+3%)	$152,798 (+14.41%) Land $5,060 Building $147,738
2022	$1,379.00 Homeowner's exemption	$108,982	$133,553 Land $4,250 Building $129,303

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2004–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Frances, Sep 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 58% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 180 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Summit Broadband.

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