455 S Terrace Dr, Eagle Lake, FL 33839 Property Records

Polk County property record for 455 S Terrace Dr, Eagle Lake, FL 33839

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,658 sqft · built 1989
Lot Size	0.391 acres (17,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Dec 2010)
Tax Bill	$4,114 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-29-12-359050-003060`

Property Details

APN / Parcel Number

Primary APN	`25-29-12-359050-003060`
Alternative APNs	`122925359050003060` `22925000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,658 sqft Living Area
Gross Area	3,540 sqft
1st Floor Area	888 sqft
Upper Floors Area	1,770 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	17,019 sqft (0.391 acres)
Lot Dimensions	215 ft deep x 91 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	882 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	1,251 sqft
Porch	Screened/Unfinished Porch
Porch Area	632 sqft
Boat House	Boat House

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	455 S TERRACE DR
City	EAGLE LAKE
State	FL
Zip	33839-3316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH SHORE TERRACES UNIT NO TWO PB 68 PG 46 BLK C LOT 6
Legal Range	25E
Legal Township	29S
Legal Section	12
Legal Subdivision	SOUTH SHORE TERRACES UNIT NO 2
Legal Tract	359050
Legal Block	C
Legal Lot Number	6
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2000
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	2 Individual Names on Record
Mailing Address	455 S TERRACE DR, EAGLE LAKE, FL 33839-3316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2010 · Amount on Record
Deed Sale	Dec 2, 2010 · Amount on Record
Prior Sale	Jul 12, 2001 · Amount on Record
Deed Document Number	2010191403
Deed Book / Page	8271 / 373
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	455 S TERRACE DR, EAGLE LAKE, FL 33839-3316
Document Number	0112810656
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	455 S TERRACE DR EAGLE LAKE FL 338393316, EAGLE LAKE, FL 33839-3316

Mortgage

Document Number	0112810656
Date	Jun 29, 2020
Book Page	011281/000656
Instrument	129509

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 28, 2035

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		$258,891 (+2.7%)	$382,882 (+2.23%) Land $42,000 Building $340,882
2025	$4,114.00 (+12.25%) Homeowner's exemption	$252,085 (+18.06%)	$374,522 (+8.94%) Land $42,000 Building $332,522
2023	$3,665.00 (+3.15%) Homeowner's exemption	$213,525 (+3%)	$343,800 (+26.94%) Land $40,000 Building $303,800
2022	$3,553.00 Homeowner's exemption	$207,306	$270,827 Land $33,000 Building $237,827

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 39 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20