Polk County property record for 2740 Rutledge Ct, Winter Haven, FL 33884
| 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 Record |
| Tax Bill | $2,983 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Jul 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-13-687552-002790 |
| Primary APN | 26-29-13-687552-002790 |
|---|---|
| Alternative APNs |
|
| 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 |
| 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 |
| Street Address | 2740 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 279 |
| 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 | 279 |
| 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 | 2740 RUTLEDGE CT, WINTER HAVEN, FL 33884-5230 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Aug 2, 2022 | Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC |
| Jul 15, 2019 | Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE |
| Apr 9, 2018 | Warranty Deed, Transfer · Conventional with PMI MORTGAGE FIRM |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 15, 2024 |
| Deed Sale | Jul 15, 2024 |
| Prior Sale | Aug 2, 2022 · Amount on Record |
| Deed Document Number | 2024161003 |
| Deed Book / Page | 13188 / 266 |
| Prior Transfer Date | Nov 17, 2009 |
| Prior Transfer Doc | 0000204051 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 2, 2022 |
| Property Address | 2740 RUTLEDGE CT, WINTER HAVEN, FL 33884-5230 |
| Document Number | 0000209295 |
| Book / Page | 12362 / 1762 |
| Map Reference | MB 131 PG 47-54 |
| Instrument Date | Jul 29, 2022 |
| Instrument | 2022209295 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Title Company | RIDGE SECURITY TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,708.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 6039, WINTER HAVEN, FL 33884 |
| Name | Verified Name |
|---|---|
| Address | 2740 RUTLEDGE CT, WINTER HAVEN, FL 33884-5230 |
| Document Number | 0123621765 |
|---|---|
| Date | Aug 2, 2022 |
| Instrument | 12362/1765 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Document Number | 0000209297 |
|---|---|
| Date | Aug 2, 2022 |
| Book Page | 12362/1779 |
| Instrument | 2022209297 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 15, 2019 |
| Property Address | 2740 RUTLEDGE CT, WINTER HAVEN, FL 33884-5230 |
| Document Number | 0109070781 |
| Book / Page | 010907 / 000781 |
| Instrument Date | Jul 12, 2019 |
| Instrument | 147108 |
| Transaction Type | Transfer |
| Record Updated | Jul 31, 2019 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $994.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2740 RUTLEDGE CT WINTER HAVEN FL 338845230, WINTER HAVEN, FL 33884-5230 |
| Document Number | 109070783 |
|---|---|
| Date | Jul 15, 2019 |
| Book Page | 010907/000783 |
| Instrument | 147109 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 14, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 9, 2018 |
| Property Address | 2740 RUTLEDGE CT, WINTER HAVEN, FL 33884-5230 |
| Document Number | 0104480417 |
| Book / Page | 010448 / 000417 |
| Instrument Date | Apr 3, 2018 |
| Instrument | 74859 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2018 |
| Title Company | EXECUTIVE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $917.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2040 WHISPERING TRAILS BLVD WINTER HAVEN FL 338845230, WINTER HAVEN, FL 33884-5230 |
| Document Number | 104480418 |
|---|---|
| Date | Apr 9, 2018 |
| Book Page | 010448/000418 |
| Instrument | 74860 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 8, 2048 |
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 | $199,000 (-1.97%) Land $100 Building $198,900 | $199,000 (-1.97%) Land $100 Building $198,900 | |
| 2025 | $2,983.00 (-25.67%) Homeowner's exemption | $203,000 (-4.47%) Land $100 Building $202,900 | $203,000 (-4.47%) Land $100 Building $202,900 |
| 2023 | $4,013.00 (+101.15%) | $212,500 (+37.05%) Land $100 Building $212,400 | $212,500 (+11.84%) Land $100 Building $212,400 |
| 2022 | $1,995.00 Homeowner's exemption | $155,054 | $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.
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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