234 Cove At Eagle Lake Cir, Eagle Lake, FL 33839 Property Records

Polk County property record for 234 Cove At Eagle Lake Cir, Eagle Lake, FL 33839

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,700 sqft · built 2022
Lot Size	0.242 acres (10,542 sqft)
Owner	2 Individual Names on File
Last Sale	$298,912 (Feb 2022)
Tax Bill	$2,941 (2025)
Deeds & Mortgages	May 2023 Mortgage Apr 2022 Transfer + 6 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-05-671501-000170`

Property Details

APN / Parcel Number

Primary APN	`26-29-05-671501-000170`
Alternative APNs	`052926671501000170` `52926000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,700 sqft Living Area
Gross Area	2,120 sqft
1st Floor Area	1,700 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	10,542 sqft (0.242 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	234 COVE AT EAGLE LAKE CIR
City	EAGLE LAKE
State	FL
Zip	33839-5409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COVE AT EAGLE LAKE PB 180 PGS 5-6 LOT 17
Legal Range	26E
Legal Township	29S
Legal Section	05
Legal Subdivision	COVE AT EAGLE LAKE
Legal Block	1
Legal Lot Number	17
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1023
Census Tract	14600

Owner

234 Cove At Eagle Lake Cir is owned and occupied by two individuals who bought it in February 2022.

Source: Polk County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	234 COVE AT EAGLE LAKE CIR, EAGLE LAKE, FL 33839-5409
Occupancy	Owner Occupied
Owner Type	Individual

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
May 16, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 19, 2022	Correction Deed INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC
Feb 17, 2022	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC
Jul 30, 2021	Warranty Deed, Transfer INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC
Jul 22, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 22, 2021	Correction Deed ACCOMODATION, ACCOMMODATION
Jul 14, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 14, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2022 · Amount on File
Deed Sale	Feb 17, 2022 · Amount on File
Prior Sale	Jul 30, 2021 · Amount on File
Deed Document Number	202243849
Deed Book / Page	12121 / 1572
Prior Transfer Date	Jul 9, 2021
Prior Transfer Doc	0000182443
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	234 COVE AT EAGLE LAKE CIR, EAGLE LAKE, FL 33839-5409
Transaction Type	Mortgage
Record Updated	Feb 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	234 COVE AT EAGLE LAKE CIR, EAGLE LAKE, FL 33839-5409

Mortgage

Document Number	0000113307
Date	May 16, 2023
Book Page	12691/1733
Instrument	2023113307

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	346 Months
Due	Mar 1, 2052

April 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	POLK FL
Recording Date	Apr 19, 2022
Property Address	234 COVE AT EAGLE LAKE CIR, EAGLE LAKE, FL 33839-5409
Document Number	0000105823
Book / Page	12214 / 2089
Instrument Date	Apr 11, 2022
Instrument	2022105823
Record Updated	Feb 5, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 COVE EAGTE LAKE, EAGLE LAKE, FL 33839

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1925 E EDGEWOOD DR, LAKELAND, FL 33803-3480

February 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 17, 2022
Property Address	234 COVE AT EAGLE LAKE CIR, EAGLE LAKE, FL 33839-5409
Document Number	0000043849
Book / Page	12121 / 1572
Map Reference	MB 180 PG 5&6
Instrument Date	Feb 15, 2022
Instrument	2022043849
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,092.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	234 COVE AT EAGLE LAKE CIR, EAGLE LAKE, FL 33839-5409

Mortgage

Document Number	0121211573
Date	Feb 17, 2022
Instrument	12121/1573

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 30, 2021
Property Address	234 COVE AT EAGLE LAKE CIR, EAGLE LAKE, FL 33839-5409
Document Number	0000198096
Book / Page	11826 / 1342
Map Reference	MB 180 PG 5&6
Instrument Date	Jul 21, 2021
Instrument	2021198096
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount on Record
Tax	$441.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Jul 22, 2021
Property Address	234 COVE AT EAGLE LAKE CIR, EAGLE LAKE, FL 33839-5409
Document Number	0000189985
Book / Page	11813 / 1766
Instrument Date	Jul 19, 2021
Instrument	2021189985
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

July 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	POLK FL
Recording Date	Jul 22, 2021
Property Address	234 COVE AT EAGLE LAKE CIR, EAGLE LAKE, FL 33839-5409
Document Number	0000189973
Book / Page	11813 / 1752
Map Reference	MB 180 PG 5&6
Instrument Date	Jul 19, 2021
Instrument	2021189973
Record Updated	Feb 5, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Jul 14, 2021
Property Address	234 COVE AT EAGLE LAKE CIR, EAGLE LAKE, FL 33839-5409
Document Number	0000182445
Book / Page	11802 / 872
Map Reference	MB 180 PG 6-7
Instrument Date	Jul 9, 2021
Instrument	2021182445
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Jul 14, 2021
Property Address	234 COVE AT EAGLE LAKE CIR, EAGLE LAKE, FL 33839-5409
Document Number	0000182443
Book / Page	11802 / 866
Map Reference	MB 180 PG 6-7
Instrument Date	Jul 9, 2021
Instrument	2021182443
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Tax Assessment & Valuation

The 2025 property tax bill for 234 Cove At Eagle Lake Cir was $2,941 with a homeowner's exemption, down 25.2% 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		$244,117 (-6.97%) Land $64,000 Building $180,117	$244,117 (-6.97%) Land $64,000 Building $180,117
2025	$2,941.00 (-25.2%) Homeowner's exemption	$262,403 Land $64,000 Building $198,403	$262,403 Land $64,000 Building $198,403
2024	$3,932.00 (+3.15%)
2023	$3,812.00 (+237.05%) Homeowner's exemption	$270,432 (+420.06%) Land $62,000 Building $208,432	$270,432 (+420.06%) Land $62,000 Building $208,432
2022	$1,131.00	$52,000 Land $52,000	$52,000 Land $52,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 234 Cove At Eagle Lake Cir in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2004–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Frances, Sep 2004 · 2 claims

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 234 Cove At Eagle Lake Cir is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 161 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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