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1120 Spruce Rd, Eagle Lake, FL 33839 Property Records

Polk County property record for 1120 Spruce Rd, Eagle Lake, FL 33839

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,787 sqft · built 2002
Lot Size2.42 acres (105,751 sqft)
Owner2 Individual Names on Record
Last Sale$25,000 (Jun 2002)
Tax Bill$1,633 (2025)
Deeds & MortgagesFeb 2020 Loan Modification
Dec 2019 Transfer
+ 2 more
Flood ZoneZone X (minimal risk)
APN25-29-12-000000-024040

Property Details

APN / Parcel Number

Primary APN25-29-12-000000-024040
Alternative APNs
  • 122925000000024040
  • 22925000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,787 sqft Living Area
Gross Area3,293 sqft
1st Floor Area2,787 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area105,751 sqft
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area506 sqft
PorchScreened/Unfinished Porch
Porch Area402 sqft
Shed1 Shed

Location & Zoning

Street Address1120 SPRUCE RD
CityEAGLE LAKE
StateFL
Zip33839-5108
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBEG NE COR OF SW1/4 OF SE1/4 RUN S 300 FT W 476 FT NELY 376 FT M/L TO A POINT ON N LINE OF SW1/4 OF SE1/4 WHICH IS 250 FT W OF POB E 250 FT TO POB LESS R/W FOR SPRUCE RD
Legal Range25E
Legal Township29S
Legal Section12
Legal SubdivisionDICKENSON
Legal Tract000000
Legal Block2
Legal Lot Number143
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2056
Census Tract14600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address1120 SPRUCE RD, EAGLE LAKE, FL 33839-5108
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 4, 2020Loan Modification, Mortgage · Conventional Mortgage
TRUIST BK
Dec 2, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY
Oct 23, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY
Sep 12, 2019Deed of Trust, Mortgage · Line of Credit
SUNTRUST BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 27, 2002 · Amount on Record
Deed SaleJun 27, 2002 · Amount on Record
Prior SaleFeb 19, 2001 · Amount on Record
Deed Book / Page5045 / 207
Last Transfer DateOct 22, 2019
Transfer Doc0000224659
Record UpdatedOct 29, 2026

February 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address1120 SPRUCE RD, EAGLE LAKE, FL 33839-5108
Document Number0111351849
Instrument DateFeb 4, 2020
Transaction TypeMortgage
Record UpdatedMar 2, 2020
Title CompanyTITLE365 - OMAHA

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address1120 SPRUCE RD EAGLE LAKE FL 338395108, EAGLE LAKE, FL 33839-5108

Mortgage

Document Number0111351849
DateFeb 10, 2020
Book Page011135/001849
Instrument30968
Lender
NameTRUIST BK
AddressORLANDO, FL 32809
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 9, 2050

December 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateDec 2, 2019
Property Address1120 SPRUCE RD, EAGLE LAKE, FL 33839-5108
Document Number0110590760
Book / Page011059 / 000760
Instrument DateOct 31, 2019
Instrument254533
Transaction TypeTransfer
Record UpdatedDec 20, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address1120 SPRUCE RD EAGLE LAKE FL 338395108, EAGLE LAKE, FL 33839-5108

October 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateOct 23, 2019
Property Address1120 SPRUCE RD, EAGLE LAKE, FL 33839-5108
Document Number0110151339
Book / Page011015 / 001339
Instrument DateOct 22, 2019
Instrument224659
Transaction TypeTransfer
Record UpdatedNov 11, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1120 SPRUCE RD EAGLE LAKE FL 338395108, EAGLE LAKE, FL 33839-5108

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1120 SPRUCE RD, EAGLE LAKE, FL 33839-5108
Document Number0109821510
Instrument DateSep 12, 2019
Transaction TypeMortgage
Record UpdatedMar 2, 2020
Title CompanyTITLE 365

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address1120 SPRUCE RD EAGLE LAKE FL 338395108, EAGLE LAKE, FL 33839-5108

Mortgage

Document Number0109821510
DateSep 24, 2019
Book Page010982/001510
Instrument201488
Lender
NameSUNTRUST BK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueSep 23, 2049
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$171,051 (+2.7%)$370,893 (-1.72%) Land $18,225 Building $352,668
2025$1,633.00 (-19.56%) Homeowner's exemption$166,554 (+5.99%)$377,370 (-19.44%) Land $18,225 Building $359,145
2023$2,030.00 (+3.68%) Homeowner's exemption$157,146 (+3%)$468,417 (+18.7%) Land $17,739 Building $450,678
2022$1,958.00 Homeowner's exemption$152,569$394,631 Land $14,823 Building $379,808

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 19 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies19 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.

Wildfire

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

Wildfire RiskLow
lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood0.05% annual chance
ExposureNone
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 SystemCITY OF EAGLE LAKE
serves 2,600 people · EPA ID FL6530492
Water SourceGroundwater
Last State InspectionDec 2024
Lead3 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting5
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 51 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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