Polk County property record for 809 Eagle Rock Ter, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,292 sqft · built 2020 |
| Lot Size | 0.179 acres (7,775 sqft) |
| Owner | Individual Name on File |
| Last Sale | $194,000 (Dec 2020) |
| Tax Bill | $2,308 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Sep 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-16-689007-000550 |
| Primary APN | 26-29-16-689007-000550 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,292 sqft Living Area |
| Gross Area | 1,712 sqft |
| 1st Floor Area | 1,292 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 7,775 sqft (0.179 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Unfinished Open Porch |
| Street Address | 809 EAGLE ROCK TER |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33880-5842 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAGLE LANDING PHASE I PB 177 PG 44-47 LOT 55 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 16 |
| Legal Subdivision | EAGLE LANDING PHASE I |
| Legal Phase | I |
| Legal Block | 4 |
| Legal Lot Number | 55 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4043 |
| Census Tract | 14501 |
Source: Polk County records · APN 26-29-16-689007-000550
Assessment roll updated July 23, 2026 · Last verified August 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 | 809 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5842 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Dec 18, 2020 | Grant Deed, Subdivision Related Transfer · FHA Mortgage NVR MTG FIN |
| Sep 09, 2020 | Grant Deed, Transfer NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 18, 2020 · Amount on Record |
| Deed Sale | Dec 18, 2020 · Amount on Record |
| Prior Sale | Sep 09, 2020 · Amount on Record |
| Deed Document Number | 2020274819 |
| Deed Book / Page | 11502 / 1350 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 18, 2020 |
| Property Address | 809 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5842 |
| Document Number | 0115021350 |
| Book / Page | 011502 / 001350 |
| Instrument Date | Dec 17, 2020 |
| Instrument | 274819 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 06, 2021 |
| Title Company | NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,358.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 809 EAGLE ROCK TER WINTER HAVEN FL 33880, WINTER HAVEN, FL 33880 |
| Document Number | 115021352 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 011502/001352 |
| Instrument | 274820 |
| Name | NVR MTG FIN |
|---|---|
| Type | Mortgage Company |
| Address | CANONSBURG, PA 15317 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 17, 2050 |
| Document Number | 115021366, |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 011502/001366 |
| Instrument | 274821 |
| Name | HOUSING FIN AGCY |
|---|---|
| Address | TALLAHASSEE, FL 32301-1329 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 17, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 09, 2020 |
| Property Address | 809 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5842 |
| Document Number | 0113680277 |
| Book / Page | 011368 / 000277 |
| Instrument Date | Aug 31, 2020 |
| Instrument | 186660 |
| Transaction Type | Transfer |
| Record Updated | Dec 04, 2020 |
| Title Company | NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $532.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4307 VINELAND RD #H22 ORLANDO FL 328117365, H22, ORLANDO, FL 32811-7365 |
| Investor | Possibly a Property Investor |
Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 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 | $2,308.00 (+6.46%) Homeowner's exemption | $164,922 (+5.99%) | $209,370 (-0.11%) Land $36,000 Building $173,370 |
| 2023 | $2,168.00 (+3.14%) Homeowner's exemption | $155,606 (+3%) | $209,602 (+9.8%) Land $35,000 Building $174,602 |
| 2022 | $2,102.00 Homeowner's exemption | $151,074 | $190,899 Land $35,000 Building $155,899 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Flood Insurance Cost | Premium on Record median of 97 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 97 in force |
| Nearby Flood Claims | 8 (2004–2022) |
| Claims Outside the SFHA | 4 of 8 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | Moderate above 68% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Frontier.
Based on FCC filings for 282 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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