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

Polk County property record for 478 St Georges Cir, Eagle Lake, FL 33839

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,690 sqft · built 2019
Lot Size	0.132 acres (5,763 sqft)
Owner	2 Individual Names on Record
Last Sale	$209,998 (Apr 2020)
Tax Bill	$4,359 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-06-675203-001140`

Property Details

APN / Parcel Number

Primary APN	`26-29-06-675203-001140`
Alternative APNs	`062926675203001140` `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 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,763 sqft (0.132 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch
Porch Area	136 sqft

Location & Zoning

Street Address	478 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 114
Legal Range	26E
Legal Township	29S
Legal Section	06
Legal Subdivision	NORMANDY HEIGHTS 3A
Legal Block	1
Legal Lot Number	114
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 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	478 ST GEORGES CIR, EAGLE LAKE, FL 33839-5203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 11, 2021	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Apr 16, 2020	Grant Deed, Subdivision Related Transfer · VA Mortgage DHI MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2020 · Amount on Record
Deed Sale	Apr 16, 2020 · Amount on Record
Deed Document Number	202080701
Deed Book / Page	11208 / 1734
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	478 ST GEORGES CIR, EAGLE LAKE, FL 33839-5203
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 ST GEORGES CIR, EAGLE LAKE, FL 33839-5203

Mortgage

Document Number	0000027081
Date	Feb 2, 2026
Book Page	13868/434
Instrument	2026027081

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	478 ST GEORGES CIR, EAGLE LAKE, FL 33839-5203
Transaction Type	Mortgage
Record Updated	Jun 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 ST GEORGES CIR, EAGLE LAKE, FL 33839-5203

Mortgage

Document Number	0000151234
Date	Jun 11, 2021
Book Page	11754/1666
Instrument	2021151234

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

April 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Apr 16, 2020
Property Address	478 ST GEORGES CIR, EAGLE LAKE, FL 33839-5203
Document Number	0112081734
Book / Page	011208 / 001734
Instrument Date	Apr 15, 2020
Instrument	80701
Transaction Type	Subdivision Related Transfer
Record Updated	May 15, 2020
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	478 ST GEORGES CIR EAGLE LAKE FL 338395203, EAGLE LAKE, FL 33839-5203

Mortgage

Document Number	112081735
Date	Apr 16, 2020
Book Page	011208/001735
Instrument	80702

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 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		$226,031 (-1.37%) Land $44,000 Building $182,031	$226,031 (-1.37%) Land $44,000 Building $182,031
2025	$4,359.00 (-4.01%)	$229,179 (-7.99%) Land $44,000 Building $185,179	$229,179 (-7.99%) Land $44,000 Building $185,179
2024	$4,541.00 (+5.43%)
2023	$4,307.00 (+7.17%)	$249,083 (+4.55%) Land $42,000 Building $207,083	$249,083 (+4.55%) Land $42,000 Building $207,083
2022	$4,019.00	$238,242 Land $35,000 Building $203,242	$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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