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

Polk County property record for 896 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	0.171 acres (7,462 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Jul 2026)
Tax Bill	$3,355 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-16-689008-000910`

Property Details

APN / Parcel Number

Primary APN	`26-29-16-689008-000910`
Alternative APN	`162926689008000910`

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
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	7,462 sqft (0.171 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Pool Type	Enclosed Pool
Porch	Screened/Unfinished Porch
Porch Area	36 sqft

Location & Zoning

Street Address	896 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 91
Legal Range	26E
Legal Township	29S
Legal Section	16
Legal Subdivision	EAGLE LANDING PHASE IB
Legal Block	4
Legal Lot Number	91
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	Individual Name on Record
Mailing Address	1336 AXEL CIR, WINTER HAVEN, FL 33880-2344
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Dec 5, 2025	Warranty Deed, Transfer · Conventional Mortgage JMAC LENDING INC
Apr 22, 2022	Special Warranty Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC
Dec 28, 2021	Special Warranty Deed, Transfer NVR SETTLEMENT SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2026 · Amount on Record
Deed Sale	Jul 28, 2026 · Amount on Record
Prior Sale	Dec 5, 2025 · Amount on Record
Deed Document Number	2026179275
Deed Book / Page	14091 / 293
Prior Transfer Date	Nov 15, 2024
Prior Transfer Doc	0000292388
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 28, 2026
Property Address	896 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5864
Document Number	0000179275
Book / Page	14091 / 293
Instrument Date	Jul 23, 2026
Instrument	2026179275
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	K K TITLE AND ESCROW, PROPY TITLE AND ESCROW AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$272,195.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1336 AXEL CIR, WINTER HAVEN, FL 33880-2344

Mortgage

Document Number	0000179276,
Date	Jul 28, 2026
Instrument	2026179276

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 5, 2025
Property Address	896 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5864
Document Number	0000285162
Book / Page	13800 / 330
Map Reference	MB 184 PG 24&25
Instrument Date	Nov 20, 2025
Instrument	2025285162
Transaction Type	Transfer
Record Updated	Dec 22, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	896 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5864

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	896 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5864

Mortgage

Document Number	0013800332
Date	Dec 5, 2025
Instrument	13800/332

Lender

Name	JMAC LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

April 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 22, 2022
Property Address	896 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5864
Document Number	0000109763
Book / Page	12221 / 571
Map Reference	MB 184 PG 24&25
Instrument Date	Apr 21, 2022
Instrument	2022109763
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,991.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4307 VINELAND RD # RDH6, RDH6, ORLANDO, FL 32811-7178

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	896 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5864

Mortgage

Document Number	0012221573
Date	Apr 22, 2022
Instrument	12221/573

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

December 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 28, 2021
Property Address	896 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5864
Document Number	0000335619
Book / Page	12043 / 1497
Map Reference	MB 184 PG 24&25
Instrument Date	Dec 17, 2021
Instrument	2021335619
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 VINELAUD ROAD #H22 # 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		$296,472 (+34.79%) Land $36,000 Building $260,472	$296,472 (+7.39%) Land $36,000 Building $260,472
2025	$3,355.00 (+28.3%)	$219,955 (+22%)	$276,058 (+11.29%) Land $36,000 Building $240,058
2024	$2,615.00 (+6.91%) Homeowner's exemption	$180,287 (+3%)	$248,052 (+3.71%) Land $36,000 Building $212,052
2023	$2,446.00 (+259.71%) Homeowner's exemption	$175,036 (+400.1%)	$239,187 (+583.39%) Land $35,000 Building $204,187
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.

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