Polk County property record for 3127 Totem Rd, Eagle Lake, FL 33839
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,855 sqft · built 2025 |
| Lot Size | 0.103 acres (4,504 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Dec 2025) |
| Tax Bill | $987 (2025) |
| Deeds & Mortgages | Feb 2026 Sale Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-18-689955-005830 |
| Primary APN | 26-29-18-689955-005830 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,855 sqft Living Area |
| Gross Area | 2,317 sqft |
| 1st Floor Area | 736 sqft |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 4,504 sqft (0.103 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Unfinished Open Porch |
| Street Address | 3127 TOTEM RD |
|---|---|
| City | EAGLE LAKE |
| State | FL |
| Zip | 33839-3075 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RANCHES AT LAKE MCLEOD III PB 206 PGS 37-45 LOT 583 |
| Legal Subdivision | RANCHES AT LAKE MCLEOD III |
| Legal Lot Number | 583 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 14501 |
3127 Totem Rd is owned and occupied by two individuals who bought it in December 2025.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3127 TOTEM RD, EAGLE LAKE, FL 33839-3075 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Feb 4, 2026 | Special Warranty Deed, Subdivision Related Transfer LENNAR TITLE INC |
| Dec 3, 2025 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage LENNAR MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2025 · Amount on File |
| Deed Sale | Dec 3, 2025 · Amount on File |
| Prior Sale | Jul 10, 2025 · Amount on File |
| Deed Document Number | 2025283714 |
| Deed Book / Page | 13797 / 1769 |
| Prior Transfer Date | Oct 23, 2025 |
| Prior Transfer Doc | 0000251851 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 4, 2026 |
| Property Address | 3127 TOTEM RD, EAGLE LAKE, FL 33839-3075 |
| Document Number | 0000029441 |
| Book / Page | 13871 / 1385 |
| Map Reference | MB 206 PG 37 |
| Instrument Date | Feb 2, 2026 |
| Instrument | 2026029441 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 19, 2026 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,439.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6675 WESTWOOD BLVD # 5, 5, ORLANDO, FL 32821-8061 |
| Name | Verified Name |
|---|---|
| Address | 3087 TOTEM RD, EAGLE LAKE, FL 33839-3073 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 3, 2025 |
| Property Address | 3127 TOTEM RD, EAGLE LAKE, FL 33839-3075 |
| Document Number | 0000283714 |
| Book / Page | 13797 / 1769 |
| Map Reference | MB 206 PG 37 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 2025283714 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,995.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6675 WESTWOOD BLVD # BLVD5TH, BLVD5TH, ORLANDO, FL 32821-8061 |
| Name | Verified Name |
|---|---|
| Address | 3127 TOTEM RD, EAGLE LAKE, FL 33839-3075 |
| Document Number | 0137971773 |
|---|---|
| Date | Dec 3, 2025 |
| Instrument | 13797/1773 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 4.75% |
| Index | 1-Year T-Bill |
| Margin | 2 |
| Max Rate | 5% |
The 2025 property tax bill for 3127 Totem Rd was $987, up 21.3% from the year before.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Eagle Lake City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $218,580 (+337.16%) Land $50,000 Building $168,580 | $218,580 (+337.16%) Land $50,000 Building $168,580 | |
| 2025 | $987.00 (+21.25%) | $50,000 Land $50,000 | $50,000 Land $50,000 |
| 2024 | $814.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3127 Totem Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 3 (2004–2022) |
| Most Recent Claim | Sep 2022 · rainfall accumulation |
| Claims by Event |
|
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 3127 Totem Rd is high, ranking above 78% of the US, with a 0.6% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 99 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Hotwire Communications Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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