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1024 Thomas Rd, Lakeland, FL 33809 Property Records

Polk County property record for 1024 Thomas Rd, Lakeland, FL 33809

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,493 sqft · built 2006
Lot Size0.912 acres (39,744 sqft)
Owner2 Individual Names on Record
Tax Bill$1,758 (2025)
Deeds & MortgagesAug 2023 Line of Credit
Sep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN23-27-01-000000-044330

Property Details

APN / Parcel Number

Primary APN23-27-01-000000-044330
Alternative APNs
  • 012723000000044330
  • 12723000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,493 sqft Living Area
Gross Area3,009 sqft
1st Floor Area2,493 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialMetal
Lot Area39,744 sqft (0.912 acres)
Lot Dimensions244 ft deep x 162 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area516 sqft
PorchScreened/Unfinished Porch
Porch Area483 sqft
Shed1 Shed

Location & Zoning

Street Address1024 THOMAS RD
CityLAKELAND
StateFL
Zip33809-1515
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRC
Legal DescriptionBEG SW COR OF SW1/4 RUN N 132 FT E 544.73 FT TO POB CONT E 162.5 FT N 269.84 FT W 162.5 FT S 269.39 FT TO POB LESS N 25 FT FOR ROAD R/W BEING LOT 4 UNREC AVALON
Legal Range23E
Legal Township27S
Legal Section01
Legal SubdivisionAVALON
Legal Tract000000
Legal Block2
Legal Lot Number4
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group2
Census Block2013
Census Tract12307

Owner

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 Record2 Individual Names on Record
Mailing Address1024 THOMAS RD, LAKELAND, FL 33809-1515
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 12, 2023Deed of Trust, Mortgage · Line of Credit
SOUTH STATE BANK NA
Sep 10, 2020Deed of Trust, Mortgage · VA Mortgage
AMERICAN FIN'L NETWORK

Assessor's Deed Record

Deed Names2 Names on Deed
Record UpdatedOct 29, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1024 THOMAS RD, LAKELAND, FL 33809-1515
Transaction TypeMortgage
Record UpdatedJan 13, 2026
Title CompanySECURITY FIRST TITLE, SECURITY 1ST TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1024 THOMAS RD, LAKELAND, FL 33809-1515

Mortgage

Document Number0000189293
DateAug 12, 2023
Book Page12799/568
Instrument2023189293
Lender
NameSOUTH STATE BANK NA
TypeBank
AddressLAKELAND, FL 33801
Agreement
TypeLine of Credit
AmountAmount Recorded
Term119 Months
DueJul 20, 2033
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1024 THOMAS RD, LAKELAND, FL 33809-1515
Document Number0114350866
Instrument DateSep 10, 2020
Transaction TypeMortgage
Record UpdatedNov 16, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1024 THOMAS RD LAKELAND FL 338091515, LAKELAND, FL 33809-1515

Mortgage

Document Number0114350866
DateOct 29, 2020
Book Page011435/000866
Instrument230934
Lender
NameAMERICAN FIN'L NETWORK
TypeFunding / Finance Company
AddressBREA, CA 92821
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 28, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$180,955 (+2.7%)$377,571 (-6.23%) Land $39,233 Building $338,338
2025$1,758.00 (-18.76%) Homeowner's exemption$176,198 (+5.99%)$402,652 (-0.38%) Land $39,001 Building $363,651
2023$2,164.00 (+3.54%) Homeowner's exemption$166,245 (+3%)$404,208 (+7.7%) Land $38,094 Building $366,114
2022$2,090.00 Homeowner's exemption$161,403$375,310 Land $31,745 Building $343,565

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 41 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims13 (2004–2024)
Claims Outside the SFHA2 of 13
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 7 claims
  • Hurricane Irma, Sep 2017 · 4 claims
  • Hurricane Frances, Sep 2004 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 62% of the US · lower than 62% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation

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 61 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

May also be available: Frontier.

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