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2654 Rutledge Ct, Winter Haven, FL 33884 Property Records

Polk County property record for 2654 Rutledge Ct, Winter Haven, FL 33884

Property Summary

Property TypeTownhouse
Details2 bd · 2 ba · 1,536 sqft · built 2006
Lot Size0.074 acres (3,241 sqft)
Owner2 Individual Names on Record
Last Sale$225,000 (Jan 2026)
Tax Bill$3,814 (2025)
Deeds & MortgagesJan 2026 Sale
Jul 2023 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-29-13-687552-002580

Property Details

APN / Parcel Number

Primary APN26-29-13-687552-002580
Alternative APNs
  • 132926687552002580
  • 32926000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,536 sqft Living Area
Gross Area1,778 sqft
1st Floor Area1,536 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeHip
Roof MaterialOther
Lot Area3,241 sqft (0.074 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area242 sqft
PorchScreened/Unfinished Porch
Porch Area128 sqft

Location & Zoning

Street Address2654 RUTLEDGE CT
CityWINTER HAVEN
StateFL
Zip33884-5228
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionTRADITIONS PHASE 1 PLAT BOOK 131 PGS 47 THRU 54 LOT 258
Legal Range26E
Legal Township29S
Legal Section13
Legal SubdivisionTRADITIONS PHASE 1
Legal Phase1
Legal Tract687552
Legal Block2
Legal Lot Number258
JurisdictionPOLK FL
Township / Civil DivisionLAKE WALES
Census Block Group2
Census Block2000
Census Tract14401

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 Record2 Individual Names on Record
Mailing Address3651 PLYMOUTH DR, WINTER HAVEN, FL 33884-5207
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jan 15, 2026Warranty Deed, Transfer
INTEGRITY FIRST TITLE
Jul 20, 2023Warranty Deed, Transfer · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Aug 26, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 15, 2026 · Amount on Record
Deed SaleJan 15, 2026 · Amount on Record
Prior SaleJul 20, 2023 · Amount on Record
Deed Document Number202611665
Deed Book / Page13847 / 517
Record UpdatedOct 29, 2026

January 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJan 15, 2026
Property Address2654 RUTLEDGE CT, WINTER HAVEN, FL 33884-5228
Document Number0000011665
Book / Page13847 / 517
Map ReferenceMB 131 PG 47-54
Instrument DateJan 7, 2026
Instrument2026011665
Transaction TypeTransfer
Record UpdatedJan 28, 2026
Title CompanyINTEGRITY FIRST TITLE

Transaction

AmountAmount Recorded
Tax$1,575.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1666 OUTRIGGER RD, GALESBURG, IL 61401-3255

Transferred To (Grantee/Buyer)

NameVerified Name
Address3651 PLYMOUTH DR, WINTER HAVEN, FL 33884-5207

July 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJul 20, 2023
Property Address2654 RUTLEDGE CT, WINTER HAVEN, FL 33884-5228
Document Number0000167821
Book / Page12768 / 2180
Map ReferenceMB 131 PG 47
Instrument DateJul 12, 2023
Instrument2023167821
Transaction TypeTransfer
Record UpdatedAug 7, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,889.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address108 PAINE DR, WINTER HAVEN, FL 33884-2321

Transferred To (Grantee/Buyer)

NameVerified Name
Address3659 CEDARWOOD CT, BETTENDORF, IA 52722-2852

Mortgage

Document Number0127682182
DateJul 20, 2023
Instrument12768/2182
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2053

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address2654 RUTLEDGE CT, WINTER HAVEN, FL 33884-5228
Document Number0113732132
Instrument DateAug 26, 2020
Transaction TypeMortgage
Record UpdatedOct 8, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address2654 RUTLEDGE CT WINTER HAVEN FL 338845228, WINTER HAVEN, FL 33884-5228

Mortgage

Document Number0113732132
DateSep 14, 2020
Book Page011373/002132
Instrument190655
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueSep 13, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$200,000 (-1.96%) Land $100 Building $199,900$200,000 (-1.96%) Land $100 Building $199,900
2025$3,814.00 (+536.73%)$204,000 (+177.37%) Land $100 Building $203,900$204,000 (+1.49%) Land $100 Building $203,900
2023$599.00 (+1.01%) Homeowner's exemption$73,547 (+3%)$201,000 (+11.98%) Land $100 Building $200,900
2022$593.00 Homeowner's exemption$71,405$179,500 Land $100 Building $179,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 29 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies29 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

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

Wildfire RiskLow
lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood0.05% annual chance
ExposureNone
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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

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

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