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2745 Stephen Dr, Winter Haven, FL 33880 Property Records

Polk County property record for 2745 Stephen Dr, Winter Haven, FL 33880

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,580 sqft · built 2024
Lot Size0.149 acres (6,504 sqft)
Owner2 Individual Names on Record
Last Sale$360,000 (Apr 2024)
Tax Bill$5,027 (2025)
Deeds & MortgagesApr 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-08-686704-000690

Property Details

APN / Parcel Number

Primary APN26-29-08-686704-000690
Alternative APN
  • 082926686704000690

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,580 sqft Living Area
Gross Area3,049 sqft
1st Floor Area1,105 sqft
Upper Floors Area1,475 sqft

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area6,504 sqft (0.149 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area469 sqft
PorchFinished/Open Porch
Porch Area237 sqft

Location & Zoning

Street Address2745 STEPHEN DR
CityEAGLE LAKE
StateFL
Zip33839
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUTTON PRESERVE PB 193 PG 30-31 LOT 69
Legal SubdivisionSUTTON PRESERVE
Legal Block3
Legal Lot Number69
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group3
Census Block3000
Census Tract14501

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 Address2745 STEPHEN DR, WINTER HAVEN, FL 33880-5124
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 26, 2024 · Amount on Record
Deed SaleApr 26, 2024 · Amount on Record
Deed Document Number202497120
Deed Book / Page13093 / 2188
Record UpdatedOct 29, 2026

April 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateApr 26, 2024
Property Address2745 STEPHEN DR, EAGLE LAKE, FL 33839
Document Number0000097120
Book / Page13093 / 2188
Map ReferenceMB 193 PG 30
Instrument DateApr 24, 2024
Instrument2024097120
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 8, 2024
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,520.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2822 COMMERCE PARK DR STE 100, 100, ORLANDO, FL 32819-8636

Transferred To (Grantee/Buyer)

NameVerified Name
Address2745 STEPHEN DR, WINTER HAVEN, FL 33880-5124

Mortgage

Document Number0130932193
DateApr 26, 2024
Instrument13093/2193
Lender
NameHOME AMERICAN MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityEagle Lake City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$296,323 (-0.65%) Land $56,000 Building $240,323$296,323 (-0.65%) Land $56,000 Building $240,323
2025$5,027.00 (+366.76%) Homeowner's exemption$298,273 (+452.36%) Land $56,000 Building $242,273$298,273 (+452.36%) Land $56,000 Building $242,273
2023$1,077.00 (+548.8%)$54,000 (+552.88%) Land $54,000$54,000 (+552.88%) Land $54,000
2022$166.00$8,271 Land $8,271$8,271 Land $8,271

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire RiskModerate
above 57% of the US · lower than 70% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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 SystemCITY OF EAGLE LAKE
serves 2,600 people · EPA ID FL6530492
Water SourceGroundwater
Last State InspectionDec 2024
Lead3 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting5
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 381 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Summit Broadband.

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