1623 Spruce Rd, Eagle Lake, FL 33839 Property Records

Polk County property record for 1623 Spruce Rd, Eagle Lake, FL 33839

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,676 sqft · built 2021
Lot Size	2.83 acres (123,480 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,963 (2025)
Deeds & Mortgages	Jun 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-18-000000-034050`

Property Details

APN / Parcel Number

Primary APN	`26-29-18-000000-034050`
Alternative APNs	`182926000000034050` `82926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,676 sqft Living Area
1st Floor Area	2,676 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	123,480 sqft
View / Lot	Commercial/Industrial
Porch	Screened/Unfinished Porch
Porch Area	266 sqft

Location & Zoning

Street Address	1623 SPRUCE RD
City	EAGLE LAKE
State	FL
Zip	33839-5101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 5 ACRES OF S 10.5 CHAINS (693 FT) OF SW1/4 OF NW1/4 OF SEC 18 TP 29 RG 26 LESS N 159.47 FT & S 25 FT OF N 616.49 FT OF S 693 FT OF SE1/4 OF NE1/4 OF SEC 13 TP 29 RG 25 LESS RD R/W
Legal Range	26E
Legal Township	29S
Legal Section	18
Legal Subdivision	ALAMEDA HEIGHTS
Legal Block	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2065
Census Tract	14600

Owner

Source: Polk County records · APN 26-29-18-000000-034050

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 Record	2 Individual Names on File
Mailing Address	1623 SPRUCE RD, EAGLE LAKE, FL 33839-5101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Jun 08, 2026
Property Address	1623 SPRUCE RD, EAGLE LAKE, FL 33839-5101
Document Number	0000136103
Book / Page	14028 / 1828
Instrument Date	Jun 01, 2026
Instrument	2026136103
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1623 SPRUCE RD, EAGLE LAKE, FL 33839-5101

Mortgage

Document Number	0000136103,
Date	Jun 08, 2026
Book Page	14028/1828
Instrument	2026136103

Lender

Name	MIDFLORIDA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Eagle Lake City
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	$5,963.00 (+0.37%) Homeowner's exemption	$345,629 (+5.99%)	$423,348 (+1.63%) Land $87,078 Building $336,270
2023	$5,941.00 (+21.54%) Homeowner's exemption	$326,105 (+19.11%)	$416,550 (+41.52%) Land $85,007 Building $331,543
2022	$4,888.00 Homeowner's exemption	$273,791	$294,331 Land $70,511 Building $223,820

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
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

Wildfire

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.4% 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)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 42 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	CITY OF EAGLE LAKE serves 2,600 people
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 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.