1171 Eloise Loop Rd, Winter Haven, FL 33884 Property Records

Polk County property record for 1171 Eloise Loop Rd, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,829 sqft · built 2001
Lot Size	1.65 acres (72,105 sqft)
Owner	2 Individual Names on File
Last Sale	$30,500 (Nov 2017)
Tax Bill	$3,853 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`26-29-09-687010-000040`

Property Details

APN / Parcel Number

Primary APN	`26-29-09-687010-000040`
Alternative APNs	`092926687010000040` `92926000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,829 sqft Living Area
Gross Area	3,693 sqft
1st Floor Area	1,935 sqft
Upper Floors Area	894 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Other
Lot Area	72,105 sqft
Lot Dimensions	360 ft deep x 200 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	864 sqft

Exterior Amenities

Pool Area	392 sqft
Porch	Unfinished Open Porch
Porch Area	545 sqft
Shed	1 Shed

Location & Zoning

Street Address	1171 ELOISE LOOP RD
City	WINTER HAVEN
State	FL
Zip	33884-2841
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GAINES COVE PB 65 PG 4 LOTS 4 & 5
Legal Range	26E
Legal Township	29S
Legal Section	09
Legal Subdivision	GAINES COVE
Legal Tract	687010
Legal Block	2
Legal Lot Number	4,5
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2054
Census Tract	14005

Owner

Source: Polk County records · APN 26-29-09-687010-000040

Assessment roll updated June 23, 2026 · Last verified July 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1171 ELOISE LOOP RD, WINTER HAVEN, FL 33884-2841
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 13, 2017 · Amount on Record
Deed Sale	Nov 13, 2017 · Amount on Record
Prior Sale	Jul 23, 2013 · Amount on Record
Deed Document Number	2017217228
Deed Book / Page	10312 / 968
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1171 ELOISE LOOP RD, WINTER HAVEN, FL 33884-2841
Transaction Type	Mortgage
Record Updated	Oct 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000248727
Date	Sep 23, 2021
Book Page	11906/148
Instrument	2021248727

Lender

Name	CITIZENS BANK & TRUST
Type	Bank
Address	FROSTPROOF, FL 33843

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,853.00 (-8.13%) Homeowner's exemption	$331,179 (+5.99%)	$426,250 (-1.73%) Land $70,000 Building $356,250
2023	$4,194.00 (+2.47%) Homeowner's exemption	$312,471 (+3%)	$433,743 (+14.89%) Land $68,000 Building $365,743
2022	$4,093.00 Homeowner's exemption	$303,370	$377,528 Land $56,000 Building $321,528

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 33 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	13 (1978–2026)
Claims Outside the SFHA	6 of 13
Most Recent Claim	Jun 2026 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Frances, Sep 2004 · 2 claims

Wildfire

Wildfire Risk	Moderate above 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Frontier.

Based on FCC filings for 123 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.