321 St Georges Cir, Eagle Lake, FL 33839 Property Records

Polk County property record for 321 St Georges Cir, Eagle Lake, FL 33839

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,483 sqft · built 2018
Lot Size	0.133 acres (5,789 sqft)
Owner	Individual Name on Record
Last Sale	$2,850,000 (Jan 2023)
Tax Bill	$3,200 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-06-675202-000050`

Property Details

APN / Parcel Number

Primary APN	`26-29-06-675202-000050`
Alternative APNs	`062926675202000050` `62926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,483 sqft Living Area
Gross Area	1,883 sqft
1st Floor Area	1,483 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,789 sqft (0.133 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Screened/Unfinished Porch
Porch Area	9 sqft

Location & Zoning

Street Address	321 ST GEORGES CIR
City	EAGLE LAKE
State	FL
Zip	33839-5202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORMANDY HEIGHTS II A PB 165 PG 31-32 LOT 5
Legal Range	26E
Legal Township	29S
Legal Section	06
Legal Subdivision	NORMANDY HEIGHTS II A
Legal Block	1
Legal Lot Number	5
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1041
Census Tract	14701

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 Record	Individual Name on Record
Mailing Address	321 ST GEORGES CIR, EAGLE LAKE, FL 33839-5202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 16, 2022	Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU
Dec 28, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage HOME SOLUTION LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2023 · Amount on Record
Deed Sale	Jan 25, 2023 · Amount on Record
Prior Sale	Nov 16, 2022 · Amount on Record
Deed Document Number	202318672
Deed Book / Page	12561 / 225
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 25, 2023
Property Address	321 ST GEORGES CIR, EAGLE LAKE, FL 33839-5202
Document Number	0000018672
Book / Page	12561 / 225
Map Reference	MB 165 PG 31&32
Instrument Date	Jan 24, 2023
Instrument	2023018672
Transaction Type	Transfer
Record Updated	Feb 8, 2023
Title Company	HOME SOLUTION TITLE INC, HOME SOLUTION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6689 CRESCENT WOODS CIR, LAKELAND, FL 33813-4615

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 ST GEORGES CIR, EAGLE LAKE, FL 33839-5202

Mortgage

Document Number	0012561227
Date	Jan 25, 2023
Instrument	12561/227

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 16, 2022
Property Address	321 ST GEORGES CIR, EAGLE LAKE, FL 33839-5202
Document Number	0000299108
Book / Page	12485 / 2098
Map Reference	MB 165 PG 31
Instrument Date	Oct 21, 2022
Instrument	2022299108
Transaction Type	Transfer
Record Updated	Nov 25, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,529.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 ST GEORGES CIR, 321, EAGLE LAKE, FL 33839-5202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6689 CRESCENT WOODS CIR, LAKELAND, FL 33813-4615

Mortgage

Document Number	0124852100
Date	Nov 16, 2022
Instrument	12485/2100

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Nov 1, 2023
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.6%
Index	1-Year T-Bill
Max Rate	11.6%

December 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 28, 2018
Property Address	321 ST GEORGES CIR, EAGLE LAKE, FL 33839-5202
Document Number	0107080673
Book / Page	010708 / 000673
Instrument Date	Dec 21, 2018
Instrument	267124
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 14, 2019
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,222.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	321 ST GEORGES CIR EAGLE LAKE FL 338395202, EAGLE LAKE, FL 33839-5202

Mortgage

Document Number	107080674
Date	Dec 28, 2018
Book Page	010708/000674
Instrument	267125

Lender

Name	HOME SOLUTION LENDERS
Type	Funding / Finance Company
Address	BARTOW, FL 33830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$207,277 (-2.15%) Land $44,000 Building $163,277	$207,277 (-2.15%) Land $44,000 Building $163,277
2025	$3,200.00 (-7.97%)	$211,829 (-6.98%) Land $44,000 Building $167,829	$211,829 (-6.98%) Land $44,000 Building $167,829
2024	$3,477.00 (-20.71%)
2023	$4,385.00 (+92.41%)	$227,715 (+42.14%) Land $42,000 Building $185,715	$227,715 (+4.45%) Land $42,000 Building $185,715
2022	$2,279.00 Homeowner's exemption	$160,201	$218,017 Land $35,000 Building $183,017

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 · 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
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	13 (1994–2022)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Frances, Sep 2004 · 2 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 5 claims

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

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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