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

Polk County property record for 985 Eagle Rock Ter, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,292 sqft · built 2023
Lot Size	0.152 acres (6,639 sqft)
Owner	2 Individual Names on Record
Last Sale	$282,000 (Apr 2023)
Tax Bill	$3,131 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-16-689009-001500`

Property Details

APN / Parcel Number

Primary APN	`26-29-16-689009-001500`
Alternative APN	`162926689009001500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,292 sqft Living Area
Gross Area	1,712 sqft
1st Floor Area	1,292 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	6,639 sqft (0.152 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch
Porch Area	24 sqft

Location & Zoning

Street Address	985 EAGLE ROCK TER
City	WINTER HAVEN
State	FL
Zip	33880-5887
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAGLE LANDING PHASE II PB 190 PGS 14-15 LOT 150
Legal Subdivision	EAGLE LANDING PHASE II
Legal Block	4
Legal Lot Number	150
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	2 Individual Names on Record
Mailing Address	985 EAGLE ROCK TER, 1010, WINTER HAVEN, FL 33880-5887
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 28, 2023	Special Warranty Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC
Dec 29, 2022	Special Warranty Deed, Transfer NVR SETTLEMENT SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2023 · Amount on Record
Deed Sale	Apr 28, 2023 · Amount on Record
Prior Sale	Dec 29, 2022 · Amount on Record
Deed Document Number	202398891
Deed Book / Page	12670 / 1071
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	985 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5887
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5887

Mortgage

Document Number	0000064416
Date	Mar 18, 2026
Book Page	13921/1180
Instrument	2026064416

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Apr 1, 2053

April 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 28, 2023
Property Address	985 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5887
Document Number	0000098891
Book / Page	12670 / 1071
Map Reference	MB 190 PG 14&15
Instrument Date	Apr 26, 2023
Instrument	2023098891
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	$1,974.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7547 GOLF CHANNEL DR, ORLANDO, FL 32819-8921

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5887

Mortgage

Document Number	0126701073
Date	Apr 28, 2023
Instrument	12670/1073

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

December 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 29, 2022
Property Address	985 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5884
Document Number	0000334310
Book / Page	12533 / 1983
Map Reference	MB 190 PG 14&15
Instrument Date	Dec 21, 2022
Instrument	2022334310
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$276.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

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	$3,131.00 (-23.37%)	$208,200 (+494.86%) Land $36,000 Building $172,200	$208,200 (+494.86%) Land $36,000 Building $172,200
2024	$4,086.00 (+507.13%)
2023	$673.00 (+348.67%)	$35,000 (+351.26%) Land $35,000	$35,000 (+351.26%) Land $35,000
2022	$150.00	$7,756 Land $7,756	$7,756 Land $7,756

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
Nearest Special Flood Hazard Area	Zone AE, within 100 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	High above 73% of the US · above 58% of Florida
Wildfire Likelihood	0.4% 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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