Polk County property record for 410 Cooley Rd, Eagle Lake, FL 33839
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 914 sqft · built 1966 |
| Lot Size | 0.193 acres (8,407 sqft) |
| Owner | Individual Name on File |
| Last Sale | $164,000 (Jun 2022) |
| Tax Bill | $1,108 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Jun 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 26-29-06-675200-000090 |
| Primary APN | 26-29-06-675200-000090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 914 sqft Living Area |
| 1st Floor Area | 914 sqft |
| Flooring | Carpet |
| Interior Walls | Wood |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 8,407 sqft (0.193 acres) |
| Lot Dimensions | 127 ft deep x 66 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 300 sqft |
| Carport | Carport |
| Carport Area | 300 sqft |
| Porch | Screened Porch |
| Utility Building | 90 sqft |
| Street Address | 410 COOLEY RD |
|---|---|
| City | EAGLE LAKE |
| State | FL |
| Zip | 33839-5208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE1 |
| Legal Description | SHIRLEY HGHTS PB 45 PG 44 LOT 9 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 06 |
| Legal Subdivision | SHIRLEY HGHTS |
| Legal Tract | 675200 |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 14701 |
410 Cooley Rd is owned and occupied by an individual who bought it in June 2022.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 5005, HAINES CITY, FL 33845-5005 |
| 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.
| Date | Document |
|---|---|
| Aug 2, 2023 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 29, 2022 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2022 · Amount on File |
| Deed Sale | Jun 29, 2022 · Amount on File |
| Deed Document Number | 2022177174 |
| Deed Book / Page | 12317 / 220 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 410 COOLEY RD, EAGLE LAKE, FL 33839-5208 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 410 COOLEY RD, EAGLE LAKE, FL 33839-5208 |
| Document Number | 0000179719 |
|---|---|
| Date | Aug 2, 2023 |
| Book Page | 12785/1762 |
| Instrument | 2023179719 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 347 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 29, 2022 |
| Property Address | 410 COOLEY RD, EAGLE LAKE, FL 33839-5208 |
| Document Number | 0000177174 |
| Book / Page | 12317 / 220 |
| Map Reference | MB 45 PG 44 |
| Instrument Date | Jun 24, 2022 |
| Instrument | 2022177174 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,148.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 328 RUBY LAKE LN, 328, WINTER HAVEN, FL 33884-3212 |
| Name | Verified Name |
|---|---|
| Address | 410 COOLEY RD, EAGLE LAKE, FL 33839-5208 |
| Document Number | 0012317224 |
|---|---|
| Date | Jun 29, 2022 |
| Instrument | 12317/224 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
The 2025 property tax bill for 410 Cooley Rd was $1,108 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $123,989 (-1.54%) Land $14,510 Building $109,479 | $123,989 (-1.54%) Land $14,510 Building $109,479 | |
| 2025 | $1,108.00 Homeowner's exemption | $125,924 Land $14,510 Building $111,414 | $125,924 Land $14,510 Building $111,414 |
| 2023 | $2,233.00 (+8.82%) | $134,053 (+10.74%) Land $14,135 Building $119,918 | $134,053 (+10.74%) Land $14,135 Building $119,918 |
| 2022 | $2,052.00 | $121,052 Land $11,794 Building $109,258 | $121,052 Land $11,794 Building $109,258 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 410 Cooley Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 151.6 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 410 Cooley Rd is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 183 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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