1636 Spruce Rd, Frostproof, FL 33843 Property Records

Polk County property record for 1636 Spruce Rd, Frostproof, FL 33843

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,640 sqft · built 1979
Lot Size	0.27 acres (11,748 sqft)
Owner	Company Name on File
Last Sale	$72,000 (May 2021)
Tax Bill	$1,205 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-32-06-985600-002240`

Property Details

APN / Parcel Number

Primary APN	`28-32-06-985600-002240`
Alternative APNs	`063228985600002240` `63228000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,640 sqft Living Area
1st Floor Area	1,640 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	11,748 sqft (0.27 acres)
Lot Dimensions	118 ft deep x 100 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	336 sqft
Carport	Carport
Carport Area	336 sqft
Porch	Screened/Unfinished Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1636 SPRUCE RD
City	FROSTPROOF
State	FL
Zip	33843-9511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	ADD TO BAY VIEW PARK SUB PB 10 PG 26 BLK B LOTS 24 & 25
Legal Range	28E
Legal Township	32S
Legal Section	06
Legal Subdivision	BAY VIEW PARK SUBDIVISION ADDITION W OF
Legal Tract	985600
Legal Block	B
Legal Lot Number	24,25
Jurisdiction	POLK FL
Township / Civil Division	FROSTPROOF
Census Block Group	1
Census Block	1004
Census Tract	15801

Owner

1636 Spruce Rd is owned by a company that bought it in May 2021.

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

Owner of Record	Company Name on File
Mailing Address	5942 SKOKIE RD, LAKE WALES, FL 33898-7568
Owner Type	Company
Vesting	Limited Liability Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Deed of Trust, Mortgage · Balloon Mortgage DUVALOR LLC
Oct 9, 2025	Deed of Trust, Mortgage DUVALOR LLC
Aug 1, 2023	Deed of Trust, Mortgage · Line of Credit BAKER BOYER BANK
May 13, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage SECRETARIAT INVESTMENTS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2021 · Amount on File
Deed Sale	May 13, 2021 · Amount on File
Deed Document Number	2021124835
Deed Book / Page	11714 / 405
Prior Transfer Date	Jun 27, 2008
Prior Transfer Doc	0000117336
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1636 SPRUCE RD, FROSTPROOF, FL 33843-9511
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000237534
Date	Oct 9, 2025
Book Page	13730/1873
Instrument	2025237534

Lender

Name	DUVALOR LLC
Type	Non-Lending Institution
Address	FORT LAUDERDALE, FL 33304

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1636 SPRUCE RD, FROSTPROOF, FL 33843-9511
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000237535
Date	Oct 9, 2025
Book Page	13730/1889
Instrument	2025237535

Lender

Name	DUVALOR LLC
Type	Non-Lending Institution
Address	FORT LAUDERDALE, FL 33304

Agreement

Amount	Amount on Record

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1636 SPRUCE RD, FROSTPROOF, FL 33843-9511
Transaction Type	Mortgage
Record Updated	Aug 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5942 SKOKIE RD, LAKE WALES, FL 33898-7568

Mortgage

Document Number	0000178835
Date	Aug 1, 2023
Book Page	12784/887
Instrument	2023178835

Lender

Name	BAKER BOYER BANK
Type	Bank
Address	OVIEDO, FL 32766

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Aug 1, 2024

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 13, 2021
Property Address	1636 SPRUCE RD, FROSTPROOF, FL 33843-9511
Document Number	0000124835
Book / Page	11714 / 405
Map Reference	MB 10 PG 26
Instrument Date	Apr 30, 2021
Instrument	2021124835
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	ALL REAL ESTATE TITLE SERVICES INC, REAL ESTATE TITLE SVCS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$504.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1826 13TH AVE, 1826, BELLE FOURCHE, SD 57717-2116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5942 SKORIE ROAD, LAKE WALES, FL 33898-7568
Investor	Possibly a Property Investor

Mortgage

Document Number	0000124836
Date	May 13, 2021
Book Page	11714/406
Instrument	2021124836

Lender

Name	SECRETARIAT INVESTMENTS LLC
Type	Non-Lending Institution
Address	GREENVILLE, SC 29615

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1636 Spruce Rd was $1,205, down 35.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$91,849 (-1.47%) Land $15,900 Building $75,949	$91,849 (-1.47%) Land $15,900 Building $75,949
2025	$1,205.00 (-35.28%)	$93,217 Land $15,900 Building $77,317	$93,217 Land $15,900 Building $77,317
2024	$1,862.00 (+8.38%)
2023	$1,718.00 (+8.53%)	$95,612 (+11.5%) Land $15,200 Building $80,412	$95,612 (+11.5%) Land $15,200 Building $80,412
2022	$1,583.00	$85,750 Land $12,800 Building $72,950	$85,750 Land $12,800 Building $72,950

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

Flood

FEMA maps place 1636 Spruce Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Sep 2022 · Hurricane Ian

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

Wildfire risk around 1636 Spruce Rd is moderate, ranking above 43% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 655 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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