202 S Bingham St, Eagle Lake, FL 33839 Property Records

Polk County property record for 202 S Bingham St, Eagle Lake, FL 33839

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,195 sqft · built 1979
Lot Size	0.203 acres (8,821 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (May 2026)
Tax Bill	$2,001 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-29-12-359020-000032`

Property Details

APN / Parcel Number

Primary APN	`25-29-12-359020-000032`
Alternative APNs	`122925359020000032` `22925000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,195 sqft Living Area
Gross Area	1,579 sqft
1st Floor Area	1,195 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	8,821 sqft (0.203 acres)
Lot Dimensions	80 ft deep x 138 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	384 sqft
Porch	Unfinished Open Porch
Porch Area	39 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	202 S BINGHAM ST
City	EAGLE LAKE
State	FL
Zip	33839-3305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	DAVIS A M PB 4 PG 60 LOT 3 BEG NLY COR RUN S 69 DEG 18 02 W 170.10 FT S 45 DEG 01 25 E 108.4 FT N 45 DEG E 91.5 FT NLY TO POB
Legal Range	25E
Legal Township	29S
Legal Section	12
Legal Subdivision	DAVIS A M SUBDIVISION
Legal Tract	359020
Legal Block	2
Legal Lot Number	3
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2009
Census Tract	14701

Owner

Source: Polk County records, as of September 28, 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 Record
Mailing Address	202 S BINGHAM ST, EAGLE LAKE, FL 33839-3305
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Warranty Deed, Transfer · FHA Mortgage HOME MORTGAGE ALLIANCE
Nov 23, 2020	Warranty Deed, Transfer · Conventional with PMI MIDFLORIDA CU ISAOA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2026 · Amount on Record
Deed Sale	May 6, 2026 · Amount on Record
Prior Sale	Nov 23, 2020 · Amount on Record
Deed Document Number	2026107828
Deed Book / Page	13986 / 670
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 6, 2026
Property Address	202 S BINGHAM ST, EAGLE LAKE, FL 33839-3305
Document Number	0000107828
Book / Page	13986 / 670
Instrument Date	Apr 22, 2026
Instrument	2026.107828
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	EXECUTIVE TITLE, EXECUTIVE TITLE OF CENTRAL FLO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$173,215.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 S BINGHAM ST, EAGLE LAKE, FL 33839-3305

Mortgage

Document Number	0000107829,
Date	May 6, 2026
Book Page	13986/672
Instrument	2026.107829

Lender

Name	HOME MORTGAGE ALLIANCE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

Mortgage

Document Number	0000107830,
Date	May 6, 2026
Book Page	13986/687
Instrument	2026.107830

Lender

Name	HOME MORTGAGE CAPITAL CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	10 Months
Due	May 1, 2036

Interest

Rate	6.38%
Max Rate	-1%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 23, 2020
Property Address	202 S BINGHAM ST, EAGLE LAKE, FL 33839-3305
Document Number	0114651877
Book / Page	011465 / 001877
Instrument Date	Nov 18, 2020
Instrument	251154
Transaction Type	Transfer
Record Updated	Dec 8, 2020
Title Company	REAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,189.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	202 S BINGHAM ST EAGLE LAKE FL 338393305, EAGLE LAKE, FL 33839-3305

Mortgage

Document Number	114651878
Date	Nov 23, 2020
Book Page	011465/001878
Instrument	251155

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 22, 2050

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$149,028 (+2.7%)	$154,119 (+1.6%) Land $44,000 Building $110,119
2025	$2,001.00 (-9.58%) Homeowner's exemption	$145,110 (+5.99%)	$151,698 (-1.29%) Land $44,000 Building $107,698
2024	$2,213.00 (+3.56%)
2023	$2,137.00 (+3.84%) Homeowner's exemption	$136,913 (+3%)	$153,688 (+2.49%) Land $42,000 Building $111,688
2022	$2,058.00 Homeowner's exemption	$132,925	$149,961 Land $35,000 Building $114,961

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1990–2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2004 · Hurricane Frances

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 250 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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