Polk County property record for 1651 Spruce Rd, Eagle Lake, FL 33839
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,035 sqft · built 2018 |
| Lot Size | 3.64 acres (158,567 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,530 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Jan 2019 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-29-13-000000-012040 |
| Primary APN | 25-29-13-000000-012040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,035 sqft Living Area |
| 1st Floor Area | 2,035 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 158,567 sqft |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Unfinished Open Porch |
| Porch Area | 186 sqft |
| Shed | 1 Shed |
| Street Address | 1651 SPRUCE RD |
|---|---|
| City | EAGLE LAKE |
| State | FL |
| Zip | 33839-5101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 92 FT OF NE1/4 OF SE1/4 & S 76.50 FT OF SE1/4 OF NE1/4 LESS COMM 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 7 |
| Legal Range | 25E |
| Legal Township | 29S |
| Legal Section | 13 |
| Legal Subdivision | SANHEATH |
| Legal Block | 2 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 14600 |
Source: Polk County assessment roll, as of July 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1651 SPRUCE RD, EAGLE LAKE, FL 33839-5101 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PUBLIX EMPS FCU |
| Jan 14, 2019 | Deed of Trust, Mortgage · FHA Mortgage CENTERSTATE BK NA |
| Jun 26, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Jul 28, 2017 | Quit Claim Deed, Transfer Quitclaim |
| May 30, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| May 11, 2017 | Deed of Trust, Mortgage CITIZENS BK |
| Jan 19, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | May 30, 2017 |
| Transfer Doc | 0102181747 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1651 SPRUCE RD, EAGLE LAKE, FL 33839-5101 |
| Document Number | 0111930396 |
| Instrument Date | Mar 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1651 SPRUCE RD EAGLE LAKE FL 338395101, EAGLE LAKE, FL 33839-5101 |
| Document Number | 0111930396 |
|---|---|
| Date | Apr 1, 2020 |
| Book Page | 011193/000396 |
| Instrument | 70718 |
| Name | PUBLIX EMPS FCU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 31, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1651 SPRUCE RD, EAGLE LAKE, FL 33839-5101 |
| Document Number | 0107290284 |
| Instrument Date | Jan 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2019 |
| Title Company | SUNBELT TITLE (AGENCY) |
| Name | Verified Name |
|---|---|
| Address | 1651 SPRUCE RD EAGLE LAKE FL 338395101, EAGLE LAKE, FL 33839-5101 |
| Document Number | 0107290284 |
|---|---|
| Date | Jan 22, 2019 |
| Book Page | 010729/000284 |
| Instrument | 13262 |
| Name | CENTERSTATE BK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33881 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 21, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 26, 2017 |
| Property Address | 1651 SPRUCE RD, EAGLE LAKE, FL 33839-5101 |
| Document Number | 0101871232 |
| Book / Page | 010187 / 001232 |
| Instrument Date | May 30, 2017 |
| Instrument | 121930 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 634 AVENUE E SE WINTER HAVEN FL 338803548, WINTER HAVEN, FL 33880-3548 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 28, 2017 |
| Property Address | 1651 SPRUCE RD, EAGLE LAKE, FL 33839-5101 |
| Document Number | 0102181747 |
| Book / Page | 010218 / 001747 |
| Instrument Date | May 30, 2017 |
| Instrument | 144958 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 634 AVENUE E SE WINTER HAVEN FL 338803548, WINTER HAVEN, FL 33880-3548 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 30, 2017 |
| Property Address | 1651 SPRUCE RD, EAGLE LAKE, FL 33839-5101 |
| Document Number | 0101592086 |
| Book / Page | 010159 / 002086 |
| Instrument Date | May 30, 2017 |
| Instrument | 102193 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 634 AVENUE E SE WINTER HAVEN FL 338803548, WINTER HAVEN, FL 33880-3548 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1651 SPRUCE RD, EAGLE LAKE, FL 33839-5101 |
| Document Number | 0101460905 |
| Book / Page | 010146 / 000905 |
| Instrument Date | May 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 0 SPRUCE RD WINTER HAVEN FL 33880, WINTER HAVEN, FL 33880 |
| Document Number | 0101460905 |
|---|---|
| Date | May 15, 2017 |
| Book Page | 010146/000905 |
| Instrument | 91669 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 14, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 19, 2017 |
| Property Address | 1651 SPRUCE RD, EAGLE LAKE, FL 33839-5101 |
| Document Number | 0100412281 |
| Book / Page | 010041 / 002281 |
| Instrument Date | Jan 13, 2017 |
| Instrument | 10887 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 CYPRESS CV WINTER HAVEN FL 338842561, WINTER HAVEN, FL 33884-2561 |
Source: Polk County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,530.00 (-17.59%) Homeowner's exemption | $235,922 (+5.99%) | $349,105 (-11.45%) Land $108,505 Building $240,600 |
| 2024 | $3,070.00 (+6.86%) | ||
| 2023 | $2,873.00 (+3.05%) Homeowner's exemption | $222,595 (+3%) | $394,228 (+15.56%) Land $105,435 Building $288,793 |
| 2022 | $2,788.00 Homeowner's exemption | $216,112 | $341,143 Land $88,010 Building $253,133 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 ft |
| 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 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF EAGLE LAKE serves 2,600 people · EPA ID FL6530492 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 3 ppb (2024) action level 15 ppb |
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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