2645 Rutledge Ct, Winter Haven, FL 33884 Property Records

Polk County property record for 2645 Rutledge Ct, Winter Haven, FL 33884

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,419 sqft · built 2006
Lot Size	0.074 acres (3,202 sqft)
Owner	Individual Name on File
Last Sale	$159,900 (Aug 2020)
Tax Bill	$1,857 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-13-687552-003200`

Property Details

APN / Parcel Number

Primary APN	`26-29-13-687552-003200`
Alternative APNs	`132926687552003200` `32926000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,419 sqft Living Area
Gross Area	1,661 sqft
1st Floor Area	1,419 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	3,202 sqft (0.074 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	242 sqft
Porch	Screened/Unfinished Porch
Porch Area	128 sqft

Location & Zoning

Street Address	2645 RUTLEDGE CT
City	WINTER HAVEN
State	FL
Zip	33884-5229
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	TRADITIONS PHASE 1 PLAT BOOK 131 PGS 47 THRU 54 LOT 320
Legal Range	26E
Legal Township	29S
Legal Section	13
Legal Subdivision	TRADITIONS PHASE 1
Legal Phase	1
Legal Tract	687552
Legal Block	2
Legal Lot Number	320
Jurisdiction	POLK FL
Township / Civil Division	LAKE WALES
Census Block Group	2
Census Block	2000
Census Tract	14401

Owner

2645 Rutledge Ct, a townhouse, is owned and occupied by an individual who bought it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2645 RUTLEDGE CT, WINTER HAVEN, FL 33884-5229
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2020 · Amount on File
Deed Sale	Aug 21, 2020 · Amount on File
Prior Sale	Jun 29, 2011 · Amount on File
Deed Document Number	2020172117
Deed Book / Page	11346 / 250
Prior Transfer Date	Aug 24, 2012
Prior Transfer Doc	0000159553
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 21, 2020
Property Address	2645 RUTLEDGE CT, WINTER HAVEN, FL 33884-5229
Document Number	0113460250
Book / Page	011346 / 000250
Instrument Date	Aug 17, 2020
Instrument	172117
Transaction Type	Transfer
Record Updated	Sep 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,119.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2645 RUTLEDGE CT WINTER HAVEN FL 338845229, WINTER HAVEN, FL 33884-5229

Mortgage

Document Number	113460252
Date	Aug 21, 2020
Book Page	011346/000252
Instrument	172118

Lender

Name	MUTUAL/OMAHA MTG LLC
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2645 Rutledge Ct was $1,857 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$146,657 (+2.7%)	$199,000 (-1.97%) Land $100 Building $198,900
2025	$1,857.00 Homeowner's exemption	$142,801	$203,000 Land $100 Building $202,900
2023	$1,735.00 (+3.58%) Homeowner's exemption	$134,734 (+3%)	$212,500 (+11.84%) Land $100 Building $212,400
2022	$1,675.00 Homeowner's exemption	$130,810	$190,000 Land $100 Building $189,900

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

Flood

FEMA maps place 2645 Rutledge Ct 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 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 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.

Wildfire

Wildfire risk around 2645 Rutledge Ct is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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	WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992
Water Source	Groundwater
Last State Inspection	Dec 2021
Lead	7 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 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 454 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20