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

Polk County property record for 511 S Terrace Dr, Eagle Lake, FL 33839

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,358 sqft · built 1956
Lot Size	0.694 acres (30,226 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Jun 2006)
Tax Bill	$4,783 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Dec 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-12-357700-000020`

Property Details

APN / Parcel Number

Primary APN	`25-29-12-357700-000020`
Alternative APNs	`122925357700000020` `22925000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,358 sqft Living Area
Gross Area	2,878 sqft
1st Floor Area	2,358 sqft
Utility Room	Utility Room
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	30,226 sqft (0.694 acres)
Lot Dimensions	265 ft deep x 100 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	520 sqft

Exterior Amenities

Porch	Enclosed/Unfinished Porch
Porch Area	548 sqft
Utility Building	80 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	511 S TERRACE DR
City	EAGLE LAKE
State	FL
Zip	33839-3533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	EAGLE LAKE TERRACE UNIT NO 1 PB 34 PG 32 LOT 2
Legal Range	25E
Legal Township	29S
Legal Section	12
Legal Subdivision	EAGLE LAKE TERRACE UNIT NO 1
Legal Tract	357700
Legal Block	2
Legal Lot Number	2
Legal Unit	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2015
Census Tract	14701

Owner

511 S Terrace Dr is owned and occupied by an individual who acquired it in December 2022.

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

Owner of Record	Individual Name on File
Mailing Address	511 S TERRACE DR, EAGLE LAKE, FL 33839-3533
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
Aug 16, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK & TRUST
Dec 15, 2022	Intrafamily Transfer, Transfer ATTORNEY
Mar 16, 2018	Loan Modification, Mortgage · Conventional Mortgage MIDFLORIDA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2006 · Amount on File
Deed Sale	Jun 2, 2006 · Amount on File
Prior Sale	Aug 4, 1998 · Amount on File
Deed Document Number	2006136751
Deed Book / Page	6803 / 397
Last Transfer Date	Dec 14, 2022
Transfer Doc	0000323922
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	511 S TERRACE DR, EAGLE LAKE, FL 33839-3533
Transaction Type	Mortgage
Record Updated	Aug 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 S TERRACE DR, EAGLE LAKE, FL 33839-3533

Mortgage

Document Number	0000192279
Date	Aug 16, 2023
Book Page	12803/520
Instrument	2023192279

Lender

Name	CITIZENS BANK & TRUST
Type	Bank
Address	FROSTPROOF, FL 33843

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Dec 15, 2022
Property Address	511 S TERRACE DR, EAGLE LAKE, FL 33839-3533
Document Number	0000323922
Book / Page	12519 / 610
Map Reference	MB 34 PG 32
Instrument Date	Dec 14, 2022
Instrument	2022323922
Transaction Type	Transfer
Record Updated	Dec 27, 2022
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	501 S TERRACE DR, EAGLE LAKE, FL 33839-3533

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 S TERRACE DR, EAGLE LAKE, FL 33839-3533

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	511 S TERRACE DR, EAGLE LAKE, FL 33839-3533
Document Number	0106100334
Instrument Date	Mar 16, 2018
Transaction Type	Mortgage
Record Updated	Sep 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	511 S TERRACE DR EAGLE LAKE FL 338393533, EAGLE LAKE, FL 33839-3533

Mortgage

Document Number	0106100334
Date	Sep 12, 2018
Book Page	010610/000334
Instrument	194143

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33803

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 11, 2048

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 511 S Terrace Dr was $4,783 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$362,666 (-1.98%) Land $66,600 Building $296,066	$362,666 (-1.98%) Land $66,600 Building $296,066
2025	$4,783.00	$369,977 Land $66,600 Building $303,377	$369,977 Land $66,600 Building $303,377
2023	$5,311.00 (+25.17%)	$368,682 (+21.9%) Land $64,380 Building $304,302	$368,682 (+21.9%) Land $64,380 Building $304,302
2022	$4,243.00	$302,438 Land $53,280 Building $249,158	$302,438 Land $53,280 Building $249,158

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

Flood

FEMA maps place 511 S Terrace Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 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

Wildfire risk around 511 S Terrace Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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 199 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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