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

Polk County property record for 845 Eagle Rock Ter, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,265 sqft · built 2021
Lot Size	0.138 acres (6,024 sqft)
Owner	2 Individual Names on Record
Last Sale	$261,500 (Feb 2022)
Tax Bill	$4,328 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Aug 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-29-16-689008-000640`

Property Details

APN / Parcel Number

Primary APN	`26-29-16-689008-000640`
Alternative APN	`162926689008000640`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,265 sqft Living Area
Gross Area	2,673 sqft
1st Floor Area	960 sqft
Upper Floors Area	1,305 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	6,024 sqft (0.138 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	408 sqft
Porch	Finished/Open Porch
Porch Area	49 sqft

Location & Zoning

Street Address	845 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 64
Legal Range	26E
Legal Township	29S
Legal Section	16
Legal Subdivision	EAGLE LANDING PHASE IB
Legal Block	4
Legal Lot Number	64
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	845 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5852
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2022	Special Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC
Aug 23, 2021	Special Warranty Deed, Transfer NVR SETTLEMENT SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2022 · Amount on Record
Deed Sale	Feb 17, 2022 · Amount on Record
Prior Sale	Aug 23, 2021 · Amount on Record
Deed Document Number	202243950
Deed Book / Page	12121 / 1991
Record Updated	Oct 29, 2026

February 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 17, 2022
Property Address	845 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5852
Document Number	0000043950
Book / Page	12121 / 1991
Map Reference	MB 184 PG 24&25
Instrument Date	Feb 15, 2022
Instrument	2022043950
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,830.50
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	845 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5852

Mortgage

Document Number	0121211993
Date	Feb 17, 2022
Instrument	12121/1993

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

August 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 23, 2021
Property Address	845 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5852
Document Number	0000219608
Book / Page	11859 / 934
Map Reference	MB 184 PG 24&25
Instrument Date	Aug 13, 2021
Instrument	2021219608
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$540.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2235 CRUMP RD, WINTER HAVEN, FL 33881-8200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4307 VINELAND RD STE H22, H22, ORLANDO, FL 32811-7365
Investor	Possibly a Property Investor

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		$262,269 (-3.26%) Land $36,000 Building $226,269	$262,269 (-3.26%) Land $36,000 Building $226,269
2025	$4,328.00 (-2.19%) Homeowner's exemption	$271,114 (+2.26%) Land $36,000 Building $235,114	$271,114 (+2.26%) Land $36,000 Building $235,114
2024	$4,425.00 (-13.32%)
2023	$5,105.00 (+21.61%)	$265,116 (+22.73%) Land $35,000 Building $230,116	$265,116 (+22.73%) Land $35,000 Building $230,116
2022	$4,198.00	$216,018 Land $35,000 Building $181,018	$216,018 Land $35,000 Building $181,018

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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