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

Polk County property record for 865 Eagle Rock Ter, Winter Haven, FL 33880

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,292 sqft · built 2022
Lot Size0.139 acres (6,037 sqft)
Owner2 Individual Names on File
Last Sale$241,500 (Jan 2022)
Tax Bill$3,188 (2025)
Deeds & MortgagesJan 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-16-689008-000690

Property Details

APN / Parcel Number

Primary APN26-29-16-689008-000690
Alternative APN
  • 162926689008000690

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,292 sqft Living Area
Gross Area1,712 sqft
1st Floor Area1,292 sqft

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area6,037 sqft (0.139 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchUnfinished Open Porch
Porch Area104 sqft

Location & Zoning

Street Address865 EAGLE ROCK TER
CityWINTER HAVEN
StateFL
Zip33880-5864
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionEAGLE LANDING PHASE IB PB 184 PG 24-25 LOT 69
Legal Range26E
Legal Township29S
Legal Section16
Legal SubdivisionEAGLE LANDING PHASE IB
Legal Block4
Legal Lot Number69
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4043
Census Tract14501

Owner

865 Eagle Rock Ter is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record2 Individual Names on File
Mailing Address865 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5864
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants 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 Names2 Names on Deed
Last SaleJan 21, 2022 · Amount on File
Deed SaleJan 21, 2022 · Amount on File
Prior SaleSep 24, 2021 · Amount on File
Deed Document Number202217971
Deed Book / Page12082 / 644
Record UpdatedOct 29, 2026

January 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateJan 21, 2022
Property Address865 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5864
Document Number0000017971
Book / Page12082 / 644
Map ReferenceMB 184 PG 24&25
Instrument DateJan 20, 2022
Instrument2022017971
Transaction TypeTransfer
Record UpdatedFeb 23, 2023
Title CompanyNVR SETTLEMENT SERVICES INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,690.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4307 VINELAND RD # RDH16, RDH16, ORLANDO, FL 32811-7178

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address865 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5864

Mortgage

Document Number0012082646
DateJan 21, 2022
Instrument12082/646
Lender
NameNVR MORTGAGE FINANCE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 865 Eagle Rock Ter was $3,188 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$204,865 (-2.98%) Land $36,000 Building $168,865$204,865 (-2.98%) Land $36,000 Building $168,865
2025$3,188.00 Homeowner's exemption$211,157 Land $36,000 Building $175,157$211,157 Land $36,000 Building $175,157
2023$3,208.00 (+371.76%) Homeowner's exemption$209,602 (+498.86%) Land $35,000 Building $174,602$209,602 (+498.86%) Land $35,000 Building $174,602
2022$680.00$35,000 Land $35,000$35,000 Land $35,000

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

Flood

FEMA maps place 865 Eagle Rock Ter in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 97 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies97 in force
Nearby Flood Claims8 (2004–2022)
Claims Outside the SFHA4 of 8
Most Recent ClaimSep 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 865 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 RiskModerate
above 68% of the US · above 47% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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

ProviderMax 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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