Polk County property record for 988 Eagle Rock Ter, Winter Haven, FL 33880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,450 sqft · built 2023 |
| Lot Size | 0.201 acres (8,738 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $304,100 (Jun 2023) |
| Tax Bill | $3,444 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Feb 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-16-689009-002010 |
| Primary APN | 26-29-16-689009-002010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,450 sqft Living Area |
| Gross Area | 1,830 sqft |
| 1st Floor Area | 1,450 sqft |
| 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 | 8,738 sqft (0.201 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 140 sqft |
| Street Address | 988 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 201 |
| Legal Subdivision | EAGLE LANDING PHASE II |
| Legal Block | 4 |
| Legal Lot Number | 201 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4043 |
| Census Tract | 14501 |
Source: Polk County records, as of July 27, 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 | 988 EAGLE ROCK TER, 10, WINTER HAVEN, FL 33880-5887 |
| Owner Type | Individual |
| Vesting | Surviving Spouse |
| Date | Document |
|---|---|
| Jun 9, 2023 | Special Warranty Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC |
| Feb 28, 2023 | Special Warranty Deed, Transfer NVR SETTLEMENT SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 9, 2023 · Amount on Record |
| Deed Sale | Jun 9, 2023 · Amount on Record |
| Prior Sale | Feb 28, 2023 · Amount on Record |
| Deed Document Number | 2023135318 |
| Deed Book / Page | 12723 / 185 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 9, 2023 |
| Property Address | 988 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5887 |
| Document Number | 0000135318 |
| Book / Page | 12723 / 185 |
| Map Reference | MB 190 PG 14&15 |
| Instrument Date | Jun 5, 2023 |
| Instrument | 2023135318 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2024 |
| Title Company | NVR SETTLEMENT SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,128.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7547 GOLF CHANNEL DR, ORLANDO, FL 32819-8921 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 99 EAGLE ROCK TERR, WINTER HAVEN, FL 33880 |
| Document Number | 0012723187 |
|---|---|
| Date | Jun 9, 2023 |
| Instrument | 12723/187 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 28, 2023 |
| Property Address | 988 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5884 |
| Document Number | 0000045970 |
| Book / Page | 12595 / 1569 |
| Instrument Date | Feb 16, 2023 |
| Instrument | 2023045970 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2023 |
| Title Company | NVR SETTLEMENT SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $556.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2235 CRUMP RD, WINTER HAVEN, FL 33881-8200 |
| Name | Verified Name |
|---|---|
| Address | 7547 GOLF CHANNEL DR, ORLANDO, FL 32819-8921 |
| Investor | Possibly a Property Investor |
Source: Polk County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,444.00 (-4.04%) | $224,649 (+541.85%) Land $36,000 Building $188,649 | $224,649 (+541.85%) Land $36,000 Building $188,649 |
| 2024 | $3,589.00 (+433.28%) | ||
| 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.
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 |
|
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.
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.
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 |
| 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.
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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