817 Cooley Rd, Eagle Lake, FL 33839 Property Records

Polk County property record for 817 Cooley Rd, Eagle Lake, FL 33839

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,188 sqft · built 2024
Lot Size	0.287 acres (12,497 sqft)
Owner	Individual Name on Record
Last Sale	$301,500 (Sep 2024)
Tax Bill	$2,017 (2025)
Deeds & Mortgages	Sep 2024 Sale & Mortgage Dec 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-06-674500-000011`

Property Details

APN / Parcel Number

Primary APN	`26-29-06-674500-000011`
Alternative APNs	`062926674500000011` `62926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,188 sqft Living Area
Gross Area	1,565 sqft
1st Floor Area	1,188 sqft
Flooring	Terrazzo
Interior Walls	Wood

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	12,497 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	377 sqft
Porch	Unfinished Open Porch
Porch Area	308 sqft

Location & Zoning

Street Address	817 COOLEY RD
City	EAGLE LAKE
State	FL
Zip	33839-5230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	XX
Legal Description	FRUITLAND PARK PB 16 PG 4 LOTS 1 2 3 AND 4 W 125 FEET
Legal Range	26E
Legal Township	29S
Legal Section	06
Legal Subdivision	FRUITLAND PARK
Legal Tract	674500
Legal Block	1
Legal Lot Number	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1042
Census Tract	14701

Owner

Source: Polk County records, as of June 23, 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 Record
Mailing Address	817 COOLEY RD, EAGLE LAKE, FL 33839-5230
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2024	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 14, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Dec 14, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2024 · Amount on Record
Deed Sale	Sep 27, 2024 · Amount on Record
Prior Sale	Dec 14, 2023 · Amount on Record
Deed Document Number	2024223135
Deed Book / Page	13280 / 1843
Prior Transfer Date	May 12, 2011
Prior Transfer Doc	0000128237
Record Updated	Sep 20, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 27, 2024
Property Address	817 COOLEY RD, EAGLE LAKE, FL 33839-5230
Document Number	0000223135
Book / Page	13280 / 1843
Map Reference	MB 16 PG 4
Instrument Date	Sep 23, 2024
Instrument	2024223135
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	ALL REAL ESTATE TITLE SERVICES INC, REAL ESTATE TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,110.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 280, EAGLE LAKE, FL 33839-0280

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 COOLEY RD, EAGLE LAKE, FL 33839-5230

Mortgage

Document Number	0132801845
Date	Sep 27, 2024
Instrument	13280/1845

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 14, 2023
Property Address	817 COOLEY RD, EAGLE LAKE, FL 33839-5230
Document Number	0000292358
Book / Page	12941 / 2014
Map Reference	MB 16 PG 4
Instrument Date	Dec 8, 2023
Instrument	2023292358
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$385.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	37 LAKE ARROWHEAD DR, WAHNETA, FL 33880-1054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4100 SPIRIT LAKE RD STE 1, 1, WINTER HAVEN, FL 33880-5081
Investor	Possibly a Property Investor

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 14, 2023
Property Address	817 COOLEY RD, EAGLE LAKE, FL 33839-5230
Document Number	0000292355
Book / Page	12941 / 2011
Map Reference	MB 16 PG 4
Instrument Date	Dec 8, 2023
Instrument	2023292355
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$59.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1255 N 12TH ST, EAGLE LAKE, FL 33839-3029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 LAKE ARROWHEAD DR, WINTER HAVEN, FL 33880-1054
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$2,017.00 (-19.29%) Homeowner's exemption	$192,656 (+461.34%) Land $17,375 Building $175,281	$192,656 (+461.34%) Land $17,375 Building $175,281
2023	$2,499.00 (+481.16%)	$34,321 (+12.96%) Land $17,000 Building $17,321	$34,321 (+12.96%) Land $17,000 Building $17,321
2022	$430.00	$30,382 Land $14,250 Building $16,132	$30,382 Land $14,250 Building $16,132

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.09% 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
Also Mapped Here	WINTER HAVEN WATER DEPARTMENT
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 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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