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

Polk County property record for 398 St Georges Cir, Eagle Lake, FL 33839

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,768 sqft · built 2018
Lot Size	0.17 acres (7,418 sqft)
Owner	2 Individual Names on File
Last Sale	$186,600 (Jul 2018)
Tax Bill	$3,031 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-06-675202-000450`

Property Details

APN / Parcel Number

Primary APN	`26-29-06-675202-000450`
Alternative APNs	`062926675202000450` `62926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,768 sqft Living Area
Gross Area	2,148 sqft
1st Floor Area	1,768 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	7,418 sqft (0.17 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	380 sqft
Porch	Screened/Unfinished Porch
Porch Area	125 sqft

Location & Zoning

Street Address	398 ST GEORGES CIR
City	EAGLE LAKE
State	FL
Zip	33839-5201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORMANDY HEIGHTS II A PB 165 PG 31-32 LOT 45
Legal Range	26E
Legal Township	29S
Legal Section	06
Legal Subdivision	NORMANDY HEIGHTS II A
Legal Block	1
Legal Lot Number	45
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1041
Census Tract	14701

Owner

398 St Georges Cir is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	398 ST GEORGES CIR, EAGLE LAKE, FL 33839-5201
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
Mar 15, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 15, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Jul 26, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage HOME SOLUTION LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2018 · Amount on File
Deed Sale	Jul 26, 2018 · Amount on File
Prior Sale	Mar 9, 2018 · Amount on File
Deed Document Number	2018159629
Deed Book / Page	10561 / 1629
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	398 ST GEORGES CIR, EAGLE LAKE, FL 33839-5201
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 ST GEORGES CIR, EAGLE LAKE, FL 33839-5201

Mortgage

Document Number	0000064991
Date	Mar 15, 2021
Book Page	11621/2060
Instrument	2021064991

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	331 Months
Due	Oct 1, 2048

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	398 ST GEORGES CIR, EAGLE LAKE, FL 33839-5201
Document Number	0112381404
Instrument Date	Apr 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 10, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	398 ST GEORGES CIR EAGLE LAKE FL 338395201, EAGLE LAKE, FL 33839-5201

Mortgage

Document Number	0112381404
Date	May 19, 2020
Book Page	011238/001404
Instrument	100309

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	May 18, 2048

July 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jul 26, 2018
Property Address	398 ST GEORGES CIR, EAGLE LAKE, FL 33839-5201
Document Number	0105611629
Book / Page	010561 / 001629
Instrument Date	Jul 24, 2018
Instrument	159629
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 5, 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	$1,306.20
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	398 ST GEORGES CIR EAGLE LAKE FL 338395201, EAGLE LAKE, FL 33839-5201

Mortgage

Document Number	105611630
Date	Jul 26, 2018
Book Page	010561/001630
Instrument	159630

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 398 St Georges Cir was $3,031 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		$208,400 (+2.7%)	$238,840 (-2.13%) Land $52,000 Building $186,840
2025	$3,031.00 Homeowner's exemption	$202,921	$244,049 Land $52,000 Building $192,049
2023	$2,859.00 (+2.88%) Homeowner's exemption	$191,458 (+3%)	$262,544 (+3.94%) Land $50,000 Building $212,544
2022	$2,779.00 Homeowner's exemption	$185,882	$252,588 Land $42,000 Building $210,588

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

Flood

FEMA maps place 398 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 398 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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