407 S Bingham St, Eagle Lake, FL 33839 Property Records

Polk County property record for 407 S Bingham St, Eagle Lake, FL 33839

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,692 sqft · built 1971
Lot Size	0.189 acres (8,246 sqft)
Owner	Individual Name on Record
Last Sale	$179,000 (Nov 2020)
Tax Bill	$3,754 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Jun 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-12-357710-001100`

Property Details

APN / Parcel Number

Primary APN	`25-29-12-357710-001100`
Alternative APNs	`122925357710001100` `22925000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,692 sqft Living Area
Gross Area	1,434 sqft
1st Floor Area	1,114 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	8,246 sqft (0.189 acres)
Lot Dimensions	100 ft deep x 90 ft wide
View / Lot	Commercial/Industrial

Exterior Amenities

Porch	Florida Room
Porch Area	634 sqft
Shed	1 Shed
Utility Building	88 sqft

Location & Zoning

Street Address	407 S BINGHAM ST
City	EAGLE LAKE
State	FL
Zip	33839-3308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	FROEMKES REPLAT PB 30 PG 26 BEG NE COR OF SEC RUN S 922.10 FT S-69 DEG 46MIN-W 788.66 FT TO POB RUN N 134.40 FT S-69 DEG 46 MIN-W 90.59 FT S 134.40 FT N- 69 DEG 46 MIN-E 90.59 FT TO POB LESS ST R/W BEING LOT 9 OF UNREC SURVEY
Legal Range	25E
Legal Township	29S
Legal Section	12
Legal Subdivision	FROEMKES REPLAT
Legal Tract	357710
Legal Block	2
Legal Lot Number	9
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2006
Census Tract	14701

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	407 S BINGHAM ST, EAGLE LAKE, FL 33839-3308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 6, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 19, 2020	Warranty Deed, Transfer · FHA Mortgage FREEDOM MTG
May 22, 2018	Loan Modification, Mortgage · Conventional with PMI PENNYMAC
Jun 8, 2017	Warranty Deed, Transfer · FHA Mortgage THE MTG FIRM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2020 · Amount on Record
Deed Sale	Nov 19, 2020 · Amount on Record
Prior Sale	Jun 8, 2017 · Amount on Record
Deed Document Number	2020248813
Deed Book / Page	11462 / 1186
Transfer Doc	3604002164
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	407 S BINGHAM ST, EAGLE LAKE, FL 33839-3308
Transaction Type	Mortgage
Record Updated	Aug 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 S BINGRAM ST EAGLE LAKE, EAGLE LAKE, FL 33839

Mortgage

Document Number	0000182522
Date	Aug 4, 2023
Book Page	12789/1658
Instrument	2023182522

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Dec 1, 2050

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	407 S BINGHAM ST, EAGLE LAKE, FL 33839-3308
Transaction Type	Mortgage
Record Updated	Jun 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 S BINGHAM ST, EAGLE LAKE, FL 33839-3308

Mortgage

Document Number	0000154002
Date	Jun 6, 2022
Book Page	12285/69
Instrument	2022154002

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Dec 1, 2050

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 19, 2020
Property Address	407 S BINGHAM ST, EAGLE LAKE, FL 33839-3308
Document Number	0114621186
Book / Page	011462 / 001186
Instrument Date	Nov 12, 2020
Instrument	248813
Transaction Type	Transfer
Record Updated	Dec 10, 2020
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,253.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 S BINGHAM ST EAGLE LAKE FL 338393308, EAGLE LAKE, FL 33839-3308

Mortgage

Document Number	114621188
Date	Nov 19, 2020
Book Page	011462/001188
Instrument	248814

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2050

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	407 S BINGHAM ST, EAGLE LAKE, FL 33839-3308
Document Number	0105370641
Instrument Date	May 22, 2018
Transaction Type	Mortgage
Record Updated	Jul 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 S BINGHAM ST EAGLE LAKE FL 338393308, EAGLE LAKE, FL 33839-3308

Mortgage

Document Number	0105370641
Date	Jul 3, 2018
Book Page	010537/000641
Instrument	141771

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2048

Interest

Rate Type	Fixed Rate
Rate	3.87%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 8, 2017
Property Address	407 S BINGHAM ST, EAGLE LAKE, FL 33839-3308
Document Number	0101700567
Book / Page	010170 / 000567
Instrument Date	May 31, 2017
Instrument	109135
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$994.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	407 S BINGHAM ST EAGLE LAKE FL 338393308, EAGLE LAKE, FL 33839-3308

Mortgage

Document Number	101700569
Date	Jun 8, 2017
Book Page	010170/000569
Instrument	109136

Lender

Name	THE MTG FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$192,384 (+1.26%) Land $44,000 Building $148,384	$192,384 (+1.26%) Land $44,000 Building $148,384
2025	$3,754.00 (-8.71%)	$189,993 (-1.02%) Land $44,000 Building $145,993	$189,993 (-1.02%) Land $44,000 Building $145,993
2023	$4,112.00 (+5.82%)	$191,951 (+6.59%) Land $42,000 Building $149,951	$191,951 (+6.59%) Land $42,000 Building $149,951
2022	$3,886.00	$180,076 Land $35,000 Building $145,076	$180,076 Land $35,000 Building $145,076

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

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
Nearby Flood Claims	2 (1990–2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2004 · Hurricane Frances

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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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	CITY OF EAGLE LAKE serves 2,600 people · EPA ID FL6530492
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	3 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 250 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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