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

Polk County property record for 837 Eagle Rock Ter, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,450 sqft · built 2021
Lot Size	0.138 acres (6,003 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,700 (Oct 2021)
Tax Bill	$3,360 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-16-689008-000620`

Property Details

APN / Parcel Number

Primary APN	`26-29-16-689008-000620`
Alternative APN	`162926689008000620`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,450 sqft Living Area
Gross Area	1,830 sqft
1st Floor Area	1,450 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,003 sqft (0.138 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	380 sqft
Porch	Finished/Open Porch
Porch Area	50 sqft

Location & Zoning

Street Address	837 EAGLE ROCK TER
City	WINTER HAVEN
State	FL
Zip	33880-5852
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAGLE LANDING PHASE IB PB 184 PG 24-25 LOT 62
Legal Range	26E
Legal Township	29S
Legal Section	16
Legal Subdivision	EAGLE LANDING PHASE IB
Legal Block	4
Legal Lot Number	62
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4043
Census Tract	14501

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	837 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5852
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Oct 14, 2021	Special Warranty Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2021 · Amount on Record
Deed Sale	Oct 14, 2021 · Amount on Record
Deed Document Number	2021269032
Deed Book / Page	11938 / 2209
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Jun 3, 2026
Property Address	837 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5852
Document Number	0000131949
Book / Page	14022 / 1759
Instrument Date	Jun 1, 2026
Instrument	2026131949
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	837 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5852

Mortgage

Document Number	0000131949,
Date	Jun 3, 2026
Book Page	14022/1759
Instrument	2026131949

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.3%
Max Rate	-1%

October 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 14, 2021
Property Address	837 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5852
Document Number	0000269032
Book / Page	11938 / 2209
Map Reference	MB 184 PG 24&25
Instrument Date	Oct 13, 2021
Instrument	2021269032
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,544.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4307 VINELAND RD # RDH16, RDH16, ORLANDO, FL 32811-7178

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	837 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5852

Mortgage

Document Number	0119382211
Date	Oct 14, 2021
Instrument	11938/2211

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Mortgage

Document Number	0000269034
Date	Oct 14, 2021
Book Page	11938/2225
Instrument	2021269034

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Government Agency
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

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		$211,672 (-3.88%) Land $36,000 Building $175,672	$211,672 (-3.88%) Land $36,000 Building $175,672
2025	$3,360.00 (-3.34%) Homeowner's exemption	$220,213 (+0.61%) Land $36,000 Building $184,213	$220,213 (+0.61%) Land $36,000 Building $184,213
2024	$3,476.00 (+2.63%)
2023	$3,387.00 (-13.09%) Homeowner's exemption	$218,867 (+9.16%) Land $35,000 Building $183,867	$218,867 (+9.16%) Land $35,000 Building $183,867
2022	$3,897.00	$200,508 Land $35,000 Building $165,508	$200,508 Land $35,000 Building $165,508

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

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
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	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

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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