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

Polk County property record for 892 Eagle Rock Ter, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,632 sqft · built 2022
Lot Size	0.161 acres (7,031 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Jun 2022)
Tax Bill	$3,692 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-16-689008-000920`

Property Details

APN / Parcel Number

Primary APN	`26-29-16-689008-000920`
Alternative APN	`162926689008000920`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,632 sqft Living Area
Gross Area	2,052 sqft
1st Floor Area	1,632 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	7,031 sqft (0.161 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch
Porch Area	36 sqft

Location & Zoning

Street Address	892 EAGLE ROCK TER
City	WINTER HAVEN
State	FL
Zip	33880-5864
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAGLE LANDING PHASE IB PB 184 PG 24-25 LOT 92
Legal Range	26E
Legal Township	29S
Legal Section	16
Legal Subdivision	EAGLE LANDING PHASE IB
Legal Block	4
Legal Lot Number	92
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 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	892 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5864
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jun 7, 2022	Special Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC
Jan 28, 2022	Special Warranty Deed, Transfer NVR SETTLEMENT SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2022 · Amount on Record
Deed Sale	Jun 7, 2022 · Amount on Record
Prior Sale	Jan 28, 2022 · Amount on Record
Deed Document Number	2022155548
Deed Book / Page	12287 / 427
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	892 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5864
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	692 EAGLE ROCK TERRACE, WINTER HAVEN, FL 33880

Mortgage

Document Number	0000041490
Date	Feb 19, 2026
Book Page	13888/445
Instrument	2026041490

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 29, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 7, 2022
Property Address	892 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5864
Document Number	0000155548
Book / Page	12287 / 427
Map Reference	MB 184 PG 24&25
Instrument Date	Jun 7, 2022
Instrument	2022155548
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
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 in Severalty
Address	892 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5864

Mortgage

Document Number	0012287429
Date	Jun 7, 2022
Instrument	12287/429

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

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

January 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 28, 2022
Property Address	892 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5864
Document Number	0000024882
Book / Page	12093 / 703
Map Reference	MB 184 PG 24&25
Instrument Date	Jan 17, 2022
Instrument	2022024882
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$544.60
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 June 23, 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
2025	$3,692.00 (-3.33%) Homeowner's exemption	$237,674 (+0.56%) Land $36,000 Building $201,674	$237,674 (+0.56%) Land $36,000 Building $201,674
2024	$3,819.00 (+2.58%)
2023	$3,723.00 (+447.5%) Homeowner's exemption	$236,346 (+575.27%) Land $35,000 Building $201,346	$236,346 (+575.27%) Land $35,000 Building $201,346
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

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 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.

Nearby Properties on Eagle Rock Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures