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

Polk County property record for 397 St Georges Cir, Eagle Lake, FL 33839

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,477 sqft · built 2019
Lot Size	0.134 acres (5,820 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (May 2019)
Tax Bill	$2,654 (2025)
Deeds & Mortgages	May 2019 Sale & Mortgage Dec 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-06-675202-000220`

Property Details

APN / Parcel Number

Primary APN	`26-29-06-675202-000220`
Alternative APNs	`062926675202000220` `62926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,477 sqft Living Area
Gross Area	1,886 sqft
1st Floor Area	1,477 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,820 sqft (0.134 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	409 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	397 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 22
Legal Range	26E
Legal Township	29S
Legal Section	06
Legal Subdivision	NORMANDY HEIGHTS II A
Legal Block	1
Legal Lot Number	22
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1041
Census Tract	14701

Owner

397 St Georges Cir is owned and occupied by two individuals who bought it in May 2019.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	397 ST GEORGES CIR, EAGLE LAKE, FL 33839-5202
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 30, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI HOME SOLUTION LENDERS
Dec 31, 2018	Warranty Deed, Transfer INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC
Dec 27, 2018	Loan Modification, Mortgage · Line of Credit FLAGSTAR BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2019 · Amount on File
Deed Sale	May 30, 2019 · Amount on File
Prior Sale	Dec 31, 2018 · Amount on File
Deed Document Number	2019110705
Deed Book / Page	10856 / 2028
Record Updated	Oct 29, 2026

May 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	May 30, 2019
Property Address	397 ST GEORGES CIR, EAGLE LAKE, FL 33839-5202
Document Number	0108562028
Book / Page	010856 / 002028
Instrument Date	May 22, 2019
Instrument	110705
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 12, 2019
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	397 ST GEORGES CIR EAGLE LAKE FL 338395202, EAGLE LAKE, FL 33839-5202

Mortgage

Document Number	108562029
Date	May 30, 2019
Book Page	010856/002029
Instrument	110706

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 29, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 31, 2018
Property Address	397 ST GEORGES CIR, EAGLE LAKE, FL 33839-5202
Document Number	0107101038
Book / Page	010710 / 001038
Instrument Date	Dec 27, 2018
Instrument	268525
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount on Record
Tax	$189.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	397 ST GEORGES CIR, EAGLE LAKE, FL 33839-5202
Document Number	0107101040
Instrument Date	Dec 27, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058

Mortgage

Document Number	0107101040
Date	Dec 31, 2018
Book Page	010710/001040
Instrument	268526

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 397 St Georges Cir was $2,654 with a homeowner's exemption.

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		$188,061 (+2.7%)	$210,298 (-1.32%) Land $44,000 Building $166,298
2025	$2,654.00 Homeowner's exemption	$183,117	$213,120 Land $44,000 Building $169,120
2023	$2,499.00 (+3.01%) Homeowner's exemption	$172,773 (+3%)	$230,991 (+5.12%) Land $42,000 Building $188,991
2022	$2,426.00 Homeowner's exemption	$167,741	$219,739 Land $35,000 Building $184,739

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 397 St Georges Cir in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1994.

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 File 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

Wildfire risk around 397 St Georges Cir is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.05% 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 363 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

May also be available: Frontier.

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