Polk County property record for 640 Lorient Dr, Eagle Lake, FL 33839 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,707 sqft · built 2019 |
| Lot Size | 0.129 acres (5,628 sqft) |
| Owner | Individual Name on File |
| Last Sale | $223,900 (Jan 2020) |
| Tax Bill | $2,990 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-06-675204-001870 |
| Primary APN | 26-29-06-675204-001870 |
|---|---|
| Alternative APNs |
|
| 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 |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 5,628 sqft (0.129 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 246 sqft |
| Street Address | 640 LORIENT DR |
|---|---|
| City | EAGLE LAKE |
| State | FL |
| Zip | 33839-5217 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORMANDY HEIGHTS 3B PB 173 PGS 48-51 LOT 187 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 06 |
| Legal Subdivision | NORMANDY HEIGHTS 3B |
| Legal Block | 1 |
| Legal Lot Number | 187 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 14701 |
Source: Polk County records · APN 26-29-06-675204-001870
Assessment roll updated June 23, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 640 LORIENT DR, EAGLE LAKE, FL 33839-5217 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 27, 2026 | Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Jul 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO |
| Oct 17, 2020 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MTG |
| Jan 06, 2020 | Grant Deed, Subdivision Related Transfer · FHA Mortgage HOMEBRIDGE FIN'L SVCS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 06, 2020 · Amount on Record |
| Deed Sale | Jan 06, 2020 · Amount on Record |
| Deed Document Number | 20201889 |
| Deed Book / Page | 11096 / 1311 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 640 LORIENT DR, EAGLE LAKE, FL 33839-5217 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 640 LORIENT DR, EAGLE LAKE, FL 33839-5217 |
| Document Number | 0000021461 |
|---|---|
| Date | Jan 27, 2026 |
| Book Page | 13860/1386 |
| Instrument | 2026021461 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
| Type Change Date | Apr 01, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.99% |
| Max Rate At Change | 5.99% |
| Index | 1-Year T-Bill |
| Max Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 640 LORIENT DR, EAGLE LAKE, FL 33839-5217 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 640 LORIENT DR, EAGLE LAKE, FL 33839-5217 |
| Document Number | 0000179185 |
|---|---|
| Date | Jul 12, 2021 |
| Book Page | 11797/515 |
| Instrument | 2021179185 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | TOMS RIVER, NJ 08753 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 640 LORIENT DR, EAGLE LAKE, FL 33839-5217 |
| Document Number | 0114360442 |
| Instrument Date | Oct 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 04, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 640 LORIENT DR EAGLE LAKE FL 338395217, EAGLE LAKE, FL 33839-5217 |
| Document Number | 0114360442 |
|---|---|
| Date | Oct 29, 2020 |
| Book Page | 011436/000442 |
| Instrument | 231417 |
| Name | OCEANSIDE MTG |
|---|---|
| Type | Mortgage Company |
| Address | TOMS RIVER, NJ 08753 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 28, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 06, 2020 |
| Property Address | 640 LORIENT DR, EAGLE LAKE, FL 33839-5217 |
| Document Number | 0110961311 |
| Book / Page | 011096 / 001311 |
| Instrument Date | Dec 31, 2019 |
| Instrument | 1889 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 04, 2020 |
| Title Company | INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,567.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 640 LORIENT DR EAGLE LAKE FL 338395217, EAGLE LAKE, FL 33839-5217 |
| Document Number | 110961313 |
|---|---|
| Date | Jan 06, 2020 |
| Book Page | 011096/001313 |
| Instrument | 1890 |
| Name | HOMEBRIDGE FIN'L SVCS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 05, 2050 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,990.00 (+6.07%) Homeowner's exemption | $200,746 (+5.99%) | $235,900 (-7.97%) Land $44,000 Building $191,900 |
| 2023 | $2,819.00 (+2.88%) Homeowner's exemption | $189,406 (+3%) | $256,339 (+5.15%) Land $42,000 Building $214,339 |
| 2022 | $2,740.00 Homeowner's exemption | $183,889 | $243,789 Land $35,000 Building $208,789 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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