101 Ann Ln, Frostproof, FL 33843 Property Records

Polk County property record for 101 Ann Ln, Frostproof, FL 33843

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,181 sqft · built 2006
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Feb 2021)
Tax Bill	$1,402 (2025)
Deeds & Mortgages	May 2026 Mortgage Feb 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-32-18-986130-009200`

Property Details

APN / Parcel Number

Primary APN	`28-32-18-986130-009200`
Alternative APNs	`183228986130009200` `83228000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,181 sqft Living Area
Gross Area	1,481 sqft
1st Floor Area	1,181 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	147 ft deep x 115 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	300 sqft
Porch	Unfinished Open Porch
Porch Area	28 sqft

Location & Zoning

Street Address	101 ANN LN
City	FROSTPROOF
State	FL
Zip	33843-5502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	SUN RAY HOMES NO 5 PB 64 PG 46 BLK 9 LOT 20
Legal Range	28E
Legal Township	32S
Legal Section	18
Legal Subdivision	SUN RAY HOMES UNIT #5
Legal Tract	986130
Legal Block	9
Legal Lot Number	20
Jurisdiction	POLK FL
Township / Civil Division	FROSTPROOF
Census Block Group	2
Census Block	2028
Census Tract	15801

Owner

101 Ann Ln is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	101 ANN LN, FROSTPROOF, FL 33843-5502
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
May 20, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Feb 23, 2021	Warranty Deed, Transfer · FHA Mortgage MY MORTGAGE INC
Oct 8, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2021 · Amount on File
Deed Sale	Feb 23, 2021 · Amount on File
Prior Sale	Mar 9, 2012 · Amount on File
Deed Document Number	202145049
Deed Book / Page	11590 / 1340
Prior Transfer Date	Aug 31, 2018
Prior Transfer Doc	0000211945
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	May 20, 2026
Property Address	101 ANN LN, FROSTPROOF, FL 33843-5502
Document Number	0000119570
Book / Page	14004 / 813
Instrument Date	Apr 16, 2026
Instrument	2026119570
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 ANN LN, FROSTPROOF, FL 33843-5502

Mortgage

Document Number	0000119570,
Date	May 20, 2026
Book Page	14004/813
Instrument	2026119570

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	298 Months
Due	Mar 1, 2051

Interest

Rate	6.22%
Max Rate	-1%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 23, 2021
Property Address	101 ANN LN, FROSTPROOF, FL 33843-5502
Document Number	0000045049
Book / Page	11590 / 1340
Map Reference	MB 64 PG 46
Instrument Date	Jan 29, 2021
Instrument	2021045049
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	ALL REAL ESTATE TITLE SERVICES INC, REAL ESTATE TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	101 ANN LN, FROSTPROOF, FL 33843-5502

Mortgage

Document Number	0115901341
Date	Feb 23, 2021
Instrument	11590/1341

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Oct 8, 2018
Property Address	101 ANN LN, FROSTPROOF, FL 33843-5502
Document Number	0106341819
Book / Page	010634 / 001819
Instrument Date	Aug 31, 2018
Instrument	211945
Transaction Type	Transfer
Record Updated	Oct 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	101 ANN LN FROSTPROOF FL 338435502, FROSTPROOF, FL 33843-5502

Tax Assessment & Valuation

The 2025 property tax bill for 101 Ann Ln was $1,402 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$152,701 (+2.7%)	$160,143 (-0.03%) Land $21,000 Building $139,143
2025	$1,402.00 Homeowner's exemption	$148,686	$160,187 Land $21,000 Building $139,187
2023	$1,851.00 (+4.58%) Homeowner's exemption	$140,287 (+3%)	$157,064 (+15.32%) Land $15,000 Building $142,064
2022	$1,770.00 Homeowner's exemption	$136,201 Land $7,700 Building $128,501	$136,201 Land $7,700 Building $128,501

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 101 Ann Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2005)
Most Recent Claim	Oct 2005 · Hurricane Wilma

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 101 Ann Ln is high, ranking above 73% of the US, with a 0.4% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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