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

Polk County property record for 446 St Georges Cir, Eagle Lake, FL 33839

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,690 sqft · built 2020
Lot Size	0.182 acres (7,932 sqft)
Owner	2 Individual Names on Record
Last Sale	$263,490 (Oct 2020)
Tax Bill	$2,665 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-06-675203-001220`

Property Details

APN / Parcel Number

Primary APN	`26-29-06-675203-001220`
Alternative APNs	`062926675203001220` `62926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,690 sqft Living Area
Gross Area	2,131 sqft
1st Floor Area	1,690 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	7,932 sqft (0.182 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch
Porch Area	136 sqft

Location & Zoning

Street Address	446 ST GEORGES CIR
City	EAGLE LAKE
State	FL
Zip	33839-5203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORMANDY HEIGHTS 3A PB 170 PGS 35-36 LOT 122
Legal Range	26E
Legal Township	29S
Legal Section	06
Legal Subdivision	NORMANDY HEIGHTS 3A
Legal Block	1
Legal Lot Number	122
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1041
Census Tract	14701

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	446 ST GEORGES CIR, EAGLE LAKE, FL 33839-5203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2022	Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC
Nov 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Oct 14, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI FBC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2020 · Amount on Record
Deed Sale	Oct 14, 2020 · Amount on Record
Prior Sale	Jan 28, 2019 · Amount on Record
Deed Document Number	2020216964
Deed Book / Page	11413 / 1085
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	446 ST GEORGES CIR, EAGLE LAKE, FL 33839-5203
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 ST GEORGES CIR, EAGLE LAKE, FL 33839-5203

Mortgage

Document Number	0000289576
Date	Nov 3, 2022
Book Page	12473/1573
Instrument	2022289576

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	446 ST GEORGES CIR, EAGLE LAKE, FL 33839-5203
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 ST GEORGES CIR, EAGLE LAKE, FL 33839-5203

Mortgage

Document Number	0000301856
Date	Nov 18, 2021
Book Page	11989/380
Instrument	2021301856

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

October 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Oct 14, 2020
Property Address	446 ST GEORGES CIR, EAGLE LAKE, FL 33839-5203
Document Number	0114131085
Book / Page	011413 / 001085
Instrument Date	Oct 8, 2020
Instrument	216964
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 2, 2020
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,844.00
Amount Accuracy	Confirmed
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	446 ST GEORGES CIR EAGLE LAKE FL 338395203, EAGLE LAKE, FL 33839-5203

Mortgage

Document Number	114131086
Date	Oct 14, 2020
Book Page	011413/001086
Instrument	216965

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 13, 2050

Tax Assessment & Valuation

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		$204,034 (+2.7%)	$226,031 (-2.2%) Land $44,000 Building $182,031
2025	$2,665.00 (+6.9%) Homeowner's exemption	$198,670 (+5.99%)	$231,108 (-7.22%) Land $44,000 Building $187,108
2023	$2,493.00 (-6.77%) Homeowner's exemption	$187,448 (+3%)	$249,083 (+4.55%) Land $42,000 Building $207,083
2022	$2,674.00 Homeowner's exemption	$181,988	$238,242 Land $35,000 Building $203,242

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
Flood Insurance Cost	Premium on Record 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

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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