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1631 Spruce Rd, Eagle Lake, FL 33839 Property Records

Polk County property record for 1631 Spruce Rd, Eagle Lake, FL 33839 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,993 sqft · built 2017
Lot Size1.5 acres (65,654 sqft)
OwnerIndividual Name on File
Tax Bill$1,642 (2025)
Deeds & MortgagesJan 2020 Mortgage
Jan 2018 Loan Modification
Flood ZoneZone X (minimal risk)
APN25-29-13-000000-012080

Property Details

APN / Parcel Number

Primary APN25-29-13-000000-012080
Alternative APNs
  • 132925000000012080
  • 32925000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,993 sqft Living Area
Gross Area2,393 sqft
1st Floor Area1,993 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area65,654 sqft
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area400 sqft
PorchUnfinished Open Porch
Porch Area205 sqft

Location & Zoning

Street Address1631 SPRUCE RD
CityWINTER HAVEN
StateFL
Zip33880
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOMM NW COR OF NE1/4 OF SE1/4 OF SEC RUN N89-08-11E 12 FT TO E R/W BNDRY OF SPRUCE RD RUN N01-06-13W ALONG SAID R/W 51.50 FT TO POB CONT N01-06-13W 25 FT N89-08-11E 1318.97 FT S00-57-51E 76.50 FT TO NE COR OF NE1/4 OF SE1/4 OF SEC CONT S00-57-51E 92
Legal Range25E
Legal Township29S
Legal Section13
Legal SubdivisionSANHEATH
Legal Block2
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2065
Census Tract14600

Owner

Source: Polk County records · APN 25-29-13-000000-012080

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 Address1631 SPRUCE RD, EAGLE LAKE, FL 33839-5101
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 24, 2020Deed of Trust, Mortgage · Conventional with PMI
PUBLIX EMPS FCU
Jan 12, 2018Loan Modification, Mortgage
CITIZENS BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last Transfer DateJan 13, 2017
Transfer Doc0000010887
Record UpdatedSep 20, 2026

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1631 SPRUCE RD, EAGLE LAKE, FL 33839-5101
Document Number0111250016
Instrument DateJan 24, 2020
Transaction TypeMortgage
Record UpdatedFeb 21, 2020
Title CompanyRIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1631 SPRUCE RD EAGLE LAKE FL 338395101, EAGLE LAKE, FL 33839-5101

Mortgage

Document Number0111250016
DateJan 31, 2020
Book Page011125/000016
Instrument23136
Lender
NamePUBLIX EMPS FCU
TypeCredit Union
AddressLAKELAND, FL 33802
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term180 Months
DueJan 30, 2035

January 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address1631 SPRUCE RD, EAGLE LAKE, FL 33839-5101
Document Number0103711371
Book / Page010371 / 001371
Instrument DateJan 12, 2018
Transaction TypeMortgage
Record UpdatedFeb 01, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address405 CYPRESS COVE RD WINTER HAVEN FL 33884, WINTER HAVEN, FL 33884

Mortgage

Document Number0103711371
DateJan 18, 2018
Book Page010371/001371
Instrument13035
Lender
NameCITIZENS BK
TypeBank
AddressFROSTPROOF, FL 33843
Agreement
AmountAmount Recorded
Term360 Months
DueJan 17, 2048
Interest
Rate TypeFixed Rate

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$1,642.00 (-18.87%) Homeowner's exemption$167,269 (+5.99%)$321,035 (-16.94%) Land $42,100 Building $278,935
2023$2,024.00 (+3.64%) Homeowner's exemption$157,820 (+3%)$386,532 (+16.72%) Land $41,100 Building $345,432
2022$1,953.00 Homeowner's exemption$153,223$331,160 Land $34,100 Building $297,060

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft
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 69% of the US · above 49% of Florida
Wildfire LikelihoodAbout 1 in 244 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 42 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

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

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