825 Eagle Rock Ter, Winter Haven, FL 33880 Property Records

Polk County property record for 825 Eagle Rock Ter, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,431 sqft · built 2020
Lot Size	0.138 acres (5,990 sqft)
Owner	2 Individual Names on File
Last Sale	$194,000 (Jan 2021)
Tax Bill	$3,367 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-16-689007-000590`

Property Details

APN / Parcel Number

Primary APN	`26-29-16-689007-000590`
Alternative APNs	`162926689007000590` `62926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,431 sqft Living Area
Gross Area	1,830 sqft
1st Floor Area	1,431 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,990 sqft (0.138 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	399 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	825 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 59
Legal Range	26E
Legal Township	29S
Legal Section	16
Legal Subdivision	EAGLE LANDING PHASE I
Legal Phase	I
Legal Block	4
Legal Lot Number	59
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4043
Census Tract	14501

Owner

825 Eagle Rock Ter is owned and occupied by two individuals who bought it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	825 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5842
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2021 · Amount on File
Deed Sale	Jan 21, 2021 · Amount on File
Prior Sale	Sep 16, 2020 · Amount on File
Deed Document Number	202115485
Deed Book / Page	11545 / 1347
Record Updated	Oct 29, 2026

January 2021: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jan 21, 2021
Property Address	825 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5842
Document Number	0115451347
Book / Page	011545 / 001347
Instrument Date	Jan 19, 2021
Instrument	15485
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 4, 2021
Title Company	NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,358.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	825 EAGLE ROCK TER WINTER HAVEN FL 33880, WINTER HAVEN, FL 33880

Mortgage

Document Number	115451349
Date	Jan 21, 2021
Book Page	011545/001349
Instrument	15486

Lender

Name	NVR MTG FIN
Type	Mortgage Company
Address	CANONSBURG, PA 15317

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 20, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 825 Eagle Rock Ter was $3,367 with a homeowner's exemption.

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		$212,501 (-3.67%) Land $36,000 Building $176,501	$212,501 (-3.86%) Land $36,000 Building $176,501
2025	$3,367.00 Homeowner's exemption	$220,589	$221,031 Land $36,000 Building $185,031
2023	$3,180.00 (+2.81%) Homeowner's exemption	$208,128 (+3%)	$221,462 (+9.6%) Land $35,000 Building $186,462
2022	$3,093.00 Homeowner's exemption	$202,066 Land $35,000 Building $167,066	$202,066 Land $35,000 Building $167,066

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

Flood

FEMA maps place 825 Eagle Rock Ter 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
Flood Insurance Cost	Premium on File 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	Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 2 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 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 825 Eagle Rock Ter is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 68% of the US · above 47% of Florida
Wildfire Likelihood	0.3% 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 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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