Polk County property record for 2728 Rutledge Ct, Winter Haven, FL 33884
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 1,536 sqft · built 2006 |
| Lot Size | 0.074 acres (3,241 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $170,000 (Feb 2021) |
| Tax Bill | $3,002 (2025) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-13-687552-002760 |
| Primary APN | 26-29-13-687552-002760 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,536 sqft Living Area |
| Gross Area | 1,778 sqft |
| 1st Floor Area | 1,536 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 3,241 sqft (0.074 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 242 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 128 sqft |
| Street Address | 2728 RUTLEDGE CT |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-5230 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | TRADITIONS PHASE 1 PLAT BOOK 131 PGS 47 THRU 54 LOT 276 |
| 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 | 276 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 14401 |
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 | 2728 RUTLEDGE CT, WINTER HAVEN, FL 33884-5230 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 25, 2021 | Warranty Deed, Transfer · Conventional Mortgage FINTECH MORTGAGE ASSOCIATION LLC |
| Sep 6, 2019 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 25, 2021 · Amount on Record |
| Deed Sale | Feb 25, 2021 · Amount on Record |
| Prior Sale | Sep 6, 2019 · Amount on Record |
| Deed Document Number | 202147946 |
| Deed Book / Page | 11594 / 1951 |
| Prior Transfer Date | Nov 25, 2013 |
| Prior Transfer Doc | 0091290530 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 25, 2021 |
| Property Address | 2728 RUTLEDGE CT, WINTER HAVEN, FL 33884-5230 |
| Document Number | 0000047946 |
| Book / Page | 11594 / 1951 |
| Map Reference | MB 131 PG 47 |
| Instrument Date | Feb 17, 2021 |
| Instrument | 2021047946 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | ALPHA RELIABLE TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,190.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1710 LULLWATER LN, 1710, LUTZ, FL 33549-9387 |
| Name | Verified Name |
|---|---|
| Address | 2728 RUTLEDGE CT, WINTER HAVEN, FL 33884-5230 |
| Document Number | 0115941953 |
|---|---|
| Date | Feb 25, 2021 |
| Instrument | 11594/1953 |
| Name | FINTECH MORTGAGE ASSOCIATION LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 6, 2019 |
| Property Address | 2728 RUTLEDGE CT, WINTER HAVEN, FL 33884-5230 |
| Document Number | 0109651216 |
| Book / Page | 010965 / 001216 |
| Instrument Date | Sep 4, 2019 |
| Instrument | 188871 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,102.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2728 RUTLEDGE CT WINTER HAVEN FL 338845230, WINTER HAVEN, FL 33884-5230 |
| Document Number | 109651217 |
|---|---|
| Date | Sep 6, 2019 |
| Book Page | 010965/001217 |
| Instrument | 188872 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 5, 2049 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $200,000 (-1.96%) Land $100 Building $199,900 | $200,000 (-1.96%) Land $100 Building $199,900 | |
| 2025 | $3,002.00 (-2.21%) Homeowner's exemption | $204,000 (+1.49%) Land $100 Building $203,900 | $204,000 (+1.49%) Land $100 Building $203,900 |
| 2024 | $3,070.00 (+2.78%) | ||
| 2023 | $2,987.00 (-12.53%) Homeowner's exemption | $201,000 (+11.98%) Land $100 Building $200,900 | $201,000 (+11.98%) Land $100 Building $200,900 |
| 2022 | $3,415.00 | $179,500 Land $100 Building $179,400 | $179,500 Land $100 Building $179,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 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 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 78% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 261 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 |
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