546 Lorient Dr, Eagle Lake, FL 33839 Property Records

Polk County property record for 546 Lorient Dr, Eagle Lake, FL 33839

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,707 sqft · built 2019
Lot Size	0.133 acres (5,776 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Oct 2023)
Tax Bill	$3,609 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jul 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-06-675203-000880`

Property Details

APN / Parcel Number

Primary APN	`26-29-06-675203-000880`
Alternative APNs	`062926675203000880` `62926000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,707 sqft Living Area
Gross Area	2,148 sqft
1st Floor Area	1,707 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	5,776 sqft (0.133 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch
Porch Area	246 sqft

Location & Zoning

Street Address	546 LORIENT DR
City	EAGLE LAKE
State	FL
Zip	33839-5212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORMANDY HEIGHTS 3A PB 170 PGS 35-36 LOT 88
Legal Range	26E
Legal Township	29S
Legal Section	06
Legal Subdivision	NORMANDY HEIGHTS 3A
Legal Block	1
Legal Lot Number	88
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1041
Census Tract	14701

Owner

546 Lorient Dr is owned and occupied by two individuals who bought it in October 2023.

Source: Polk County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	546 LORIENT DR, EAGLE LAKE, FL 33839-5212
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
Oct 24, 2023	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Jul 24, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 29, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 3, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage HOME SOLUTION LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2023 · Amount on File
Deed Sale	Oct 24, 2023 · Amount on File
Prior Sale	Jul 3, 2019 · Amount on File
Deed Document Number	2023251371
Deed Book / Page	12884 / 2274
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 24, 2023
Property Address	546 LORIENT DR, EAGLE LAKE, FL 33839-5212
Document Number	0000251371
Book / Page	12884 / 2274
Map Reference	MB 170 PG 35&36
Instrument Date	Oct 16, 2023
Instrument	2023251371
Transaction Type	Transfer
Record Updated	Nov 6, 2023
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 9TH ELOISE ST, ELOISE, FL 33880-5510

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	546 LORIENT DR, EAGLE LAKE, FL 33839-5212

Mortgage

Document Number	0128842276
Date	Oct 24, 2023
Instrument	12884/2276

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Mortgage

Document Number	0000251373
Date	Oct 24, 2023
Book Page	12884/2289
Instrument	2023251373

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2033

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	546 LORIENT DR, EAGLE LAKE, FL 33839-5212
Transaction Type	Mortgage
Record Updated	Aug 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 LORIENT DR, EAGLE LAKE, FL 33839-5212

Mortgage

Document Number	0000171242
Date	Jul 24, 2023
Book Page	12773/2152
Instrument	2023171242

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	481 Months
Due	Aug 1, 2063

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	546 LORIENT DR, EAGLE LAKE, FL 33839-5212
Transaction Type	Mortgage
Record Updated	Dec 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 LORIENT DR, EAGLE LAKE, FL 33839-5212

Mortgage

Document Number	0000308273
Date	Nov 29, 2022
Book Page	12497/1968
Instrument	2022308273

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	479 Months
Due	Oct 1, 2062

July 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jul 3, 2019
Property Address	546 LORIENT DR, EAGLE LAKE, FL 33839-5212
Document Number	0108970609
Book / Page	010897 / 000609
Instrument Date	Jul 2, 2019
Instrument	139480
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 22, 2019
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,420.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 LORIENT DR EAGLE LAKE FL 338395212, EAGLE LAKE, FL 33839-5212

Mortgage

Document Number	108970610
Date	Jul 3, 2019
Book Page	010897/000610
Instrument	139481

Lender

Name	HOME SOLUTION LENDERS
Type	Funding / Finance Company
Address	BARTOW, FL 33830

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 546 Lorient Dr was $3,609 with a homeowner's exemption, down 8.8% from the year before.

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		$230,134 (-1.36%) Land $44,000 Building $186,134	$230,134 (-1.36%) Land $44,000 Building $186,134
2025	$3,609.00 (-8.82%)	$233,297 Land $44,000 Building $189,297	$233,297 Land $44,000 Building $189,297
2024	$3,958.00 (-9.72%)
2023	$4,384.00 (+7.29%)	$253,534 (+4.89%) Land $42,000 Building $211,534	$253,534 (+4.89%) Land $42,000 Building $211,534
2022	$4,086.00	$241,708 Land $35,000 Building $206,708	$241,708 Land $35,000 Building $206,708

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

Flood

FEMA maps place 546 Lorient Dr 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 546 Lorient Dr is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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	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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