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

Polk County property record for 438 St Georges Cir, Eagle Lake, FL 33839

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,605 sqft · built 2018
Lot Size	0.132 acres (5,728 sqft)
Owner	Individual Name on File
Last Sale	$329,900 (Sep 2022)
Tax Bill	$3,269 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-06-675202-000350`

Property Details

APN / Parcel Number

Primary APN	`26-29-06-675202-000350`
Alternative APNs	`062926675202000350` `62926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,605 sqft Living Area
Gross Area	1,947 sqft
1st Floor Area	1,605 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	5,728 sqft (0.132 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	342 sqft
Porch	Unfinished Open Porch
Porch Area	95 sqft

Location & Zoning

Street Address	438 ST GEORGES CIR
City	EAGLE LAKE
State	FL
Zip	33839-5203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORMANDY HEIGHTS II A PB 165 PG 31-32 LOT 35
Legal Range	26E
Legal Township	29S
Legal Section	06
Legal Subdivision	NORMANDY HEIGHTS II A
Legal Block	1
Legal Lot Number	35
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1041
Census Tract	14701

Owner

438 St Georges Cir is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	438 ST GEORGES CIR, EAGLE LAKE, FL 33839-5203
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
Sep 8, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2022 · Amount on File
Deed Sale	Sep 8, 2022 · Amount on File
Prior Sale	Nov 6, 2018 · Amount on File
Deed Document Number	2022244203
Deed Book / Page	12411 / 1174
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 8, 2022
Property Address	438 ST GEORGES CIR, EAGLE LAKE, FL 33839-5203
Document Number	0000244203
Book / Page	12411 / 1174
Map Reference	MB 165 PG 31&32
Instrument Date	Sep 1, 2022
Instrument	2022244203
Transaction Type	Transfer
Record Updated	Sep 20, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,309.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2799 BLUE OAK CT, 2799, BRENTWOOD, CA 94513-4617

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 ST GEORGES CIR, EAGLE LAKE, FL 33839-5203

Mortgage

Document Number	0124111177
Date	Sep 8, 2022
Instrument	12411/1177

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	438 ST GEORGES CIR, EAGLE LAKE, FL 33839-5203
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2799 BLUE OAK CT, BRENTWOOD, CA 94513-4617

Mortgage

Document Number	0000174432
Date	Jul 7, 2021
Book Page	11790/74
Instrument	2021174432

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 438 St Georges Cir was $3,269 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		$210,685 (-2.21%) Land $44,000 Building $166,685	$210,685 (-2.21%) Land $44,000 Building $166,685
2025	$3,269.00 Homeowner's exemption	$215,444 Land $44,000 Building $171,444	$215,444 Land $44,000 Building $171,444
2023	$3,639.00 (-3.81%) Homeowner's exemption	$231,979 (+3.21%) Land $42,000 Building $189,979	$231,979 (+3.21%) Land $42,000 Building $189,979
2022	$3,783.00	$224,768 Land $35,000 Building $189,768	$224,768 Land $35,000 Building $189,768

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

Flood

FEMA maps place 438 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 438 St Georges Cir is low, with a 0.03% annual chance of 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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