Polk County property record for 2743 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 | 2 Individual Names on File |
| Last Sale | $103,400 (Aug 2017) |
| Tax Bill | $1,221 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Jun 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-13-687552-002960 |
| Primary APN | 26-29-13-687552-002960 |
|---|---|
| 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 | 2743 RUTLEDGE CT |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-5231 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | TRADITIONS PHASE 1 PLAT BOOK 131 PGS 47 THRU 54 LOT 296 |
| 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 | 296 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 14401 |
2743 Rutledge Ct, a townhouse, is owned and occupied by two individuals who bought it in August 2017.
Source: Polk County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2743 RUTLEDGE CT, WINTER HAVEN, FL 33884-5231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 31, 2023 | Deed of Trust, Mortgage · Line of Credit GREAT OAKS BANK |
| Jun 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTY HM MTG CORP |
| Aug 16, 2017 | Warranty Deed, Transfer · Conventional with PMI ROY C JOHNSON |
| Jan 12, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jan 12, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 2017 · Amount on File |
| Deed Sale | Aug 16, 2017 · Amount on File |
| Prior Sale | Jan 12, 2017 · Amount on File |
| Deed Document Number | 2017157813 |
| Deed Book / Page | 10235 / 905 |
| Prior Transfer Date | Aug 8, 2017 |
| Prior Transfer Doc | 0102350905 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2743 RUTLEDGE CT, WINTER HAVEN, FL 33884-5231 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2743 RUTLEDGE CT, WINTER HAVEN, FL 33884-5231 |
| Document Number | 0000176951 |
|---|---|
| Date | Jul 31, 2023 |
| Book Page | 12781/1390 |
| Instrument | 2023176951 |
| Name | GREAT OAKS BANK |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2743 RUTLEDGE CT, WINTER HAVEN, FL 33884-5231 |
| Document Number | 0112602004 |
| Instrument Date | Jun 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2020 |
| Title Company | UNITED TITLE GROUP/LAKELAND LLC, UNITED TITLE GRP/LAKELAND LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2743 RUTLEDGE CT WINTER HAVEN FL 338845231, WINTER HAVEN, FL 33884-5231 |
| Document Number | 0112602004 |
|---|---|
| Date | Jun 10, 2020 |
| Book Page | 011260/002004 |
| Instrument | 115200 |
| Name | GUARANTY HM MTG CORP |
|---|---|
| Address | MURFREESBORO, TN 37129 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 9, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 16, 2017 |
| Property Address | 2743 RUTLEDGE CT, WINTER HAVEN, FL 33884-5231 |
| Document Number | 0102350905 |
| Book / Page | 010235 / 000905 |
| Instrument Date | Aug 8, 2017 |
| Instrument | 157813 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $723.80 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2743 RUTLEDGE CT WINTER HAVEN FL 338845231, WINTER HAVEN, FL 33884-5231 |
| Document Number | 102350906 |
|---|---|
| Date | Aug 16, 2017 |
| Book Page | 010235/000906 |
| Instrument | 157814 |
| Name | ROY C JOHNSON |
|---|---|
| Special Notes | Seller Financed |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 12, 2017 |
| Property Address | 2743 RUTLEDGE CT, WINTER HAVEN, FL 33884-5231 |
| Document Number | 0100361944 |
| Book / Page | 010036 / 001944 |
| Instrument Date | Jan 4, 2017 |
| Instrument | 6795 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $630.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 412 S 1ST ST LAKE WALES FL 338534146, LAKE WALES, FL 33853-4146 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 12, 2017 |
| Property Address | 2743 RUTLEDGE CT, WINTER HAVEN, FL 33884-5231 |
| Document Number | 0100361943 |
| Book / Page | 010036 / 001943 |
| Instrument Date | Jan 4, 2017 |
| Instrument | 6794 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 539 EUCALYPTUS RD LAKE WALES FL 33898, LAKE WALES, FL 33898 |
The 2025 property tax bill for 2743 Rutledge Ct was $1,221 with a homeowner's exemption, up 4% from the year before.
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 | $111,688 (+2.7%) | $199,000 (-1.97%) Land $100 Building $198,900 | |
| 2025 | $1,221.00 (+4%) Homeowner's exemption | $108,752 | $203,000 Land $100 Building $202,900 |
| 2024 | $1,174.00 (+4.08%) | ||
| 2023 | $1,128.00 (+4.25%) Homeowner's exemption | $102,609 (+3%) | $212,500 (+11.84%) Land $100 Building $212,400 |
| 2022 | $1,082.00 Homeowner's exemption | $99,620 | $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.
FEMA maps place 2743 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 risk around 2743 Rutledge Ct is moderate, ranking above 51% of the US, with a 0.08% annual chance of wildfire.
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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