Polk County property record for 1020 Rustic Ln, Lakeland, FL 33811
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,896 sqft · built 1987 |
| Lot Size | 0.354 acres (15,398 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $350,000 (Dec 2025) |
| Tax Bill | $2,104 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Dec 2025 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-29-23-141800-000020 |
| Primary APN | 23-29-23-141800-000020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,896 sqft Living Area |
| Gross Area | 2,358 sqft |
| 1st Floor Area | 1,896 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 15,398 sqft (0.354 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Pool Area | 392 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 183 sqft |
| Cooling System | Central |
|---|
| Street Address | 1020 RUSTIC LN |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33811-2314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RUSTIC OAKS PB 77 PG 4 LOT 2 |
| Legal Range | 23E |
| Legal Township | 29S |
| Legal Section | 23 |
| Legal Subdivision | RUSTIC OAKS |
| Legal Tract | 141800 |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 11912 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2965 OXFORD AVE, LAKELAND, FL 33803-4260 |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Aug 18, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Dec 19, 2025 | Warranty Deed, Transfer CAPSTONE TITLE LLC |
| May 28, 2019 | Warranty Deed, Transfer · FHA Mortgage CENTERSTATE BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 19, 2025 · Amount on Record |
| Deed Sale | Dec 19, 2025 · Amount on Record |
| Prior Sale | May 28, 2019 · Amount on Record |
| Deed Document Number | 2025298188 |
| Deed Book / Page | 13818 / 1702 |
| Prior Transfer Date | May 24, 2019 |
| Prior Transfer Doc | 0000109379 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 18, 2026 |
| Property Address | 1020 RUSTIC LN, LAKELAND, FL 33811-2314 |
| Document Number | 0000200001 |
| Book / Page | 14120 / 1145 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 2026200001 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 2965 OXFORD AVE, LAKELAND, FL 33803-4260 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 19, 2025 |
| Property Address | 1020 RUSTIC LN, LAKELAND, FL 33811-2314 |
| Document Number | 0000298188 |
| Book / Page | 13818 / 1702 |
| Map Reference | MB 77 PG 4 |
| Instrument Date | Dec 11, 2025 |
| Instrument | 2025298188 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2026 |
| Title Company | CAPSTONE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4890 FOXGLOVE CIR, LAKELAND, FL 33811-2490 |
| Name | Verified Name |
|---|---|
| Address | 1020 RUSTIC LN, LAKELAND, FL 33811-2314 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 28, 2019 |
| Property Address | 1020 RUSTIC LN, LAKELAND, FL 33811-2314 |
| Document Number | 0108550033 |
| Book / Page | 010855 / 000033 |
| Instrument Date | May 24, 2019 |
| Instrument | 109379 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2019 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $840.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1020 RUSTIC LN LAKELAND FL 338112314, LAKELAND, FL 33811-2314 |
| Document Number | 108550035 |
|---|---|
| Date | May 28, 2019 |
| Book Page | 010855/000035 |
| Instrument | 109380 |
| Name | CENTERSTATE BK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33881 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 27, 2049 |
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 | $259,946 (+28.06%) Land $34,000 Building $225,946 | $259,946 (-7.15%) Land $34,000 Building $225,946 | |
| 2025 | $2,104.00 (-14.68%) Homeowner's exemption | $202,987 (+5.99%) | $279,966 (+0.83%) Land $34,000 Building $245,966 |
| 2023 | $2,466.00 (+3.27%) Homeowner's exemption | $191,520 (+3%) | $277,673 (+11.93%) Land $33,000 Building $244,673 |
| 2022 | $2,388.00 Homeowner's exemption | $185,942 | $248,070 Land $31,000 Building $217,070 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 4 (2002–2017) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 | SOUTHWEST/POLK COUNTY UTILITY serves 39,209 people · EPA ID FL6530852 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 11 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 116 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures