Polk County property record for 1022 Atlantic Rd, Lakeland, FL 33805
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 932 sqft · built 1924 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | Individual Name on File |
| Last Sale | $185,000 (Oct 2025) |
| Tax Bill | $2,088 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Oct 2025 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-28-11-031000-003070 |
| Primary APN | 23-28-11-031000-003070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 932 sqft Living Area |
| 1st Floor Area | 932 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,501 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| View / Lot | Commercial/Industrial |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 160 sqft |
| Street Address | 1022 ATLANTIC RD |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33805-4123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB1 |
| Legal Description | INGLESIDE SUB PB 7 PG 35 BLK C LOT 7 |
| Legal Range | 23E |
| Legal Township | 28S |
| Legal Section | 11 |
| Legal Subdivision | INGLESIDE SUBDIVISION |
| Legal Tract | 31000 |
| Legal Block | C |
| Legal Lot Number | 7 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 11100 |
1022 Atlantic Rd is owned and occupied by an individual who bought it in October 2025.
Source: Polk County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1022 ATLANTIC RD, LAKELAND, FL 33805-4123 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
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 |
|---|---|
| Oct 30, 2025 | Deed of Trust, Mortgage SUNCOAST CU |
| Oct 28, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERICAN FINANCIAL NETWORK INC |
| Oct 28, 2025 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Sep 2, 2020 | Warranty Deed, Transfer · Conventional with PMI MORTGAGE FIRM |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2025 · Amount on File |
| Deed Sale | Oct 28, 2025 · Amount on File |
| Prior Sale | May 27, 2025 · Amount on File |
| Deed Document Number | 2025254387 |
| Deed Book / Page | 13755 / 1266 |
| Prior Transfer Date | Oct 4, 2005 |
| Prior Transfer Doc | 0000140587 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1022 ATLANTIC RD, LAKELAND, FL 33805-4123 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 7644 BROAD POINTE DR, ZEPHYRHILLS, FL 33540-2214 |
| Document Number | 0000256934 |
|---|---|
| Date | Oct 30, 2025 |
| Book Page | 13759/580 |
| Instrument | 2025256934 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33610 |
| Amount | Amount on Record |
|---|---|
| Term | 145 Months |
| Due | Nov 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1022 ATLANTIC RD, LAKELAND, FL 33805-4123 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1629 LONG RIDGE CT, ORLANDO, FL 32807-4264 |
| Document Number | 0000254389 |
|---|---|
| Date | Oct 28, 2025 |
| Book Page | 13755/1285 |
| Instrument | 2025254389 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ORANGE, CA 92868 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 28, 2025 |
| Property Address | 1022 ATLANTIC RD, LAKELAND, FL 33805-4123 |
| Document Number | 0000254387 |
| Book / Page | 13755 / 1266 |
| Map Reference | MB 7 PG 35 |
| Instrument Date | Oct 20, 2025 |
| Instrument | 2025254387 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2026 |
| Title Company | SMART TITLE II LLC, SMART TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,295.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8088 S BLOSSOM TRL #11611161, 11611161, ORLANDO, FL 32809 |
| Name | Verified Name |
|---|---|
| Address | 1022 ATLANTIC RD, LAKELAND, FL 33805-4123 |
| Document Number | 0137551268 |
|---|---|
| Date | Oct 28, 2025 |
| Instrument | 13755/1268 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 2, 2020 |
| Property Address | 1022 ATLANTIC RD, LAKELAND, FL 33805-4123 |
| Document Number | 0113600618 |
| Book / Page | 011360 / 000618 |
| Instrument Date | Jun 5, 2020 |
| Instrument | 181645 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2020 |
| Title Company | SWAN CITY TITLE CO LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $791.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 919 SAVANNAH AVE LAKELAND FL 338151145, LAKELAND, FL 33815-1145 |
| Document Number | 113600620 |
|---|---|
| Date | Sep 2, 2020 |
| Book Page | 011360/000620 |
| Instrument | 181646 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 1022 Atlantic Rd was $2,088.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Lakeland City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $141,106 (+36.5%) Land $31,875 Building $109,231 | $141,106 (-3.16%) Land $31,875 Building $109,231 | |
| 2025 | $2,088.00 | $103,373 | $145,707 Land $18,750 Building $126,957 |
| 2023 | $1,912.00 (+11.42%) | $136,708 (+16.5%) Land $23,377 Building $113,331 | $136,708 (+16.5%) Land $23,377 Building $113,331 |
| 2022 | $1,716.00 | $117,346 Land $19,226 Building $98,120 | $117,346 Land $19,226 Building $98,120 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1022 Atlantic Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 14, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1022 Atlantic Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 273 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Tillman Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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