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1196 Spruce Rd, Eagle Lake, FL 33839 Property Records

Polk County property record for 1196 Spruce Rd, Eagle Lake, FL 33839 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 4,635 sqft · built 1996
Lot Size4.63 acres (201,757 sqft)
OwnerIndividual Name on File
Last Sale$29,900 (Oct 1994)
Tax Bill$3,243 (2025)
Deeds & MortgagesMar 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN25-29-12-000000-024080

Property Details

APN / Parcel Number

Primary APN25-29-12-000000-024080
Alternative APNs
  • 122925000000024080
  • 22925000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area4,635 sqft Living Area
Gross Area5,260 sqft
1st Floor Area2,815 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 1996
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialTile
Lot Area201,757 sqft
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area625 sqft

Exterior Amenities

Pool Area540 sqft
PorchFlorida Room
Porch Area2,360 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address1196 SPRUCE RD
CityEAGLE LAKE
StateFL
Zip33839-5108
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionW 425 FT OF E 860 FT OF S 425 FT OF SW1/4 OF SE1/4 & N 50 FT OF S 300 FT OF E 435 FT OF SW1/4 OF SE1/4 LESS MAINT R/W
Legal Range25E
Legal Township29S
Legal Section12
Legal SubdivisionDICKENSON
Legal Tract000000
Legal Block2
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2056
Census Tract14600

Owner

Source: Polk County records · APN 25-29-12-000000-024080

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

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

Owner of RecordIndividual Name on File
Mailing Address1196 SPRUCE RD, EAGLE LAKE, FL 33839-5108
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 05, 1994 · Amount on Record
Deed SaleOct 05, 1994 · Amount on Record
Deed Book / Page3446 / 1869
Record UpdatedSep 20, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1196 SPRUCE RD, EAGLE LAKE, FL 33839-5108
Transaction TypeMortgage
Record UpdatedMar 26, 2021
Title CompanyINTEGRITY FIRST TITLE, INTEGRITY FIRST TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1196 SPUCE RD, EAGLE LAKE, FL 33839-5108

Mortgage

Document Number0000062924
DateMar 11, 2021
Book Page11618/1616
Instrument2021062924
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
AddressCARROLLTON, TX 75007
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMar 01, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,243.00 (-8.88%) Homeowner's exemption$291,036 (+5.9%)$704,021 (-15.71%) Land $34,650 Building $669,371
2023$3,559.00 (+2.8%) Homeowner's exemption$274,834 (+3%)$835,214 (+30.21%) Land $33,726 Building $801,488
2022$3,462.00 Homeowner's exemption$266,829$641,438 Land $28,182 Building $613,256

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050146002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 19 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies19 in force

Wildfire

Wildfire RiskModerate
above 60% of the US · above 34% of Florida
Wildfire LikelihoodAbout 1 in 474 per year
ExposureDirect
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, availability as of December 31, 2025 · Published October 2026 · based on 51 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
SpectrumCable1,000 / 35
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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