2657 Rutledge Ct, Winter Haven, FL 33884 Property Records

Polk County property record for 2657 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	$147,500 (Sep 2019)
Tax Bill	$1,545 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-13-687552-003170`

Property Details

APN / Parcel Number

Primary APN	`26-29-13-687552-003170`
Alternative APNs	`132926687552003170` `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
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	2657 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 317
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	317
Jurisdiction	POLK FL
Township / Civil Division	LAKE WALES
Census Block Group	2
Census Block	2000
Census Tract	14401

Owner

Source: Polk County records · APN 26-29-13-687552-003170

Assessment roll updated June 23, 2026 · Last verified July 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	2657 RUTLEDGE CT, WINTER HAVEN, FL 33884-5229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 04, 2019 · Amount on Record
Deed Sale	Sep 04, 2019 · Amount on Record
Prior Sale	Aug 05, 2008 · Amount on Record
Deed Document Number	2019186626
Deed Book / Page	10962 / 662
Record Updated	Sep 20, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 04, 2019
Property Address	2657 RUTLEDGE CT, WINTER HAVEN, FL 33884-5229
Document Number	0109620662
Book / Page	010962 / 000662
Instrument Date	Aug 30, 2019
Instrument	186626
Transaction Type	Transfer
Record Updated	Sep 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,032.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19104 QUAIL CIR LAKE WALES FL 338594879, LAKE WALES, FL 33859-4879

Mortgage

Document Number	109620663
Date	Sep 04, 2019
Book Page	010962/000663
Instrument	186627

Lender

Name	HSBC BK USA NA
Type	Bank
Address	NEW YORK, NY 10018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 03, 2034

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,545.00 (+7.89%) Homeowner's exemption	$131,117 (+5.99%)	$203,000 (-4.47%) Land $100 Building $202,900
2023	$1,432.00 (-2.05%) Homeowner's exemption	$123,711 (+3%)	$212,500 (+11.84%) Land $100 Building $212,400
2022	$1,462.00 Homeowner's exemption	$120,108	$190,000 Land $100 Building $189,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 Record median of 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 454 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.