Polk County property record for 1010 Janet Dr, Lakeland, FL 33805
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,509 sqft · built 1973 |
| Lot Size | 0.419 acres (18,269 sqft) |
| Owner | Individual Name on File |
| Last Sale | $161,900 (Jul 2017) |
| Tax Bill | $1,223 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Oct 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-20-000000-044170 |
| Primary APN | 24-27-20-000000-044170 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,509 sqft Living Area |
| 1st Floor Area | 1,509 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wood |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 18,269 sqft (0.419 acres) |
| Lot Dimensions | 146 ft deep x 125 ft wide |
| View / Lot | Commercial/Industrial |
| Pool Area | 420 sqft |
| Cooling System | Central |
|---|
| Street Address | 1010 JANET DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33805-7524 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | BEG SE COR OF N1/2 OF S1/2 OF SW1/4 OF SW1/4 RUN N 275 FT W 370 FT TO POB RUN N 146 FT W 125 FT S 146 FT E 125 FT TO POB BEING LOTS 12 & PT 13 UNREC LK DEESON VILLA |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 20 |
| Legal Subdivision | KOOTER |
| Legal Tract | 000000 |
| Legal Block | 3 |
| Legal Lot Number | 12 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 11502 |
1010 Janet Dr is owned and occupied by an individual who bought it in July 2017.
Source: Polk County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1010 JANET DR, LAKELAND, FL 33805-7524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 19, 2024 | Deed of Trust, Mortgage · Commercial Mortgage ZONA LONG BAIL BONDS INC |
| Oct 9, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 30, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP |
| May 12, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Jul 26, 2017 | Deed of Trust, Mortgage · FHA Mortgage STEARNS LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 28, 2017 · Amount on File |
| Deed Sale | Jul 28, 2017 · Amount on File |
| Prior Sale | Oct 24, 2006 · Amount on File |
| Deed Document Number | 2017144405 |
| Deed Book / Page | 10218 / 289 |
| Prior Transfer Date | Jun 12, 2013 |
| Prior Transfer Doc | 0000125708 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1010 JANET DR, LAKELAND, FL 33805-7524 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1010 JANET DR, LAKELAND, FL 33805-7524 |
| Document Number | 0000090104 |
|---|---|
| Date | Apr 19, 2024 |
| Book Page | 13084/607 |
| Instrument | 2024090104 |
| Name | ZONA LONG BAIL BONDS INC |
|---|---|
| Type | Non-Lending Institution |
| Address | BARTOW, FL 33830 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1010 JANET DR, LAKELAND, FL 33805-7524 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1010 JANET DR, LAKELAND, FL 33805-7524 |
| Document Number | 0000237934 |
|---|---|
| Date | Oct 9, 2023 |
| Book Page | 12866/664 |
| Instrument | 2023237934 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CORAOPOLIS, PA 15108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Oct 1, 2063 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1010 JANET DR, LAKELAND, FL 33805-7524 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1010 JANET DR, LAKELAND, FL 33805-7524 |
| Document Number | 0000308876 |
|---|---|
| Date | Nov 30, 2022 |
| Book Page | 12498/1772 |
| Instrument | 2022308876 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | DENVER, CO 80249 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1010 JANET DR, LAKELAND, FL 33805-7524 |
| Document Number | 0112841738 |
| Instrument Date | May 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1010 JANET DR LAKELAND FL 338057524, LAKELAND, FL 33805-7524 |
| Document Number | 0112841738 |
|---|---|
| Date | Jul 1, 2020 |
| Book Page | 011284/001738 |
| Instrument | 131948 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 30, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1010 JANET DR, LAKELAND, FL 33805-7524 |
| Document Number | 0102180290 |
| Book / Page | 010218 / 000290 |
| Instrument Date | Jul 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1010 JANET DR LAKELAND FL 338057524, LAKELAND, FL 33805-7524 |
| Document Number | 0102180290 |
|---|---|
| Date | Jul 28, 2017 |
| Book Page | 010218/000290 |
| Instrument | 144406 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 27, 2047 |
The 2025 property tax bill for 1010 Janet Dr was $1,223 with a homeowner's exemption, down 32% from the year before.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $138,434 (+2.7%) | $203,963 (+2.19%) Land $19,213 Building $184,750 | |
| 2025 | $1,223.00 (-31.98%) Homeowner's exemption | $134,795 | $199,591 Land $19,213 Building $180,378 |
| 2024 | $1,798.00 (-41.15%) | ||
| 2023 | $3,055.00 (+96.08%) Homeowner's exemption | $127,181 (+3%) | $195,240 (+0.04%) Land $18,550 Building $176,690 |
| 2022 | $1,558.00 Homeowner's exemption | $123,477 | $195,153 Land $15,238 Building $179,915 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1010 Janet Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2022.
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 File median of 58 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 58 in force |
| Nearby Flood Claims | 3 (2022–2024) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 risk around 1010 Janet Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 | CITY OF LAKELAND serves 193,297 people · EPA ID FL6531014 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2022 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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 168 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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