1040 Lake Lure Loop E, Lakeland, FL 33801 Property Records

Polk County property record for 1040 Lake Lure Loop E, Lakeland, FL 33801

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,791 sqft · built 1974
Lot Size	0.138 acres (5,998 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Feb 2018)
Tax Bill	$1,162 (2025)
Deeds & Mortgages	May 2020 Mortgage Feb 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-21-239510-018070`

Property Details

APN / Parcel Number

Primary APN	`24-28-21-239510-018070`
Alternative APNs	`212824239510018070` `12824000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,791 sqft Living Area
1st Floor Area	1,518 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	5,998 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
View / Lot	Commercial/Industrial
Porch	Florida Room
Porch Area	303 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1040 LAKE LURE LOOP E
City	LAKELAND
State	FL
Zip	33801-6249
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	HOWENOCA HILLS 1ST ADD PB 15 PG 29 BLK 18 LOT 7
Legal Range	24E
Legal Township	28S
Legal Section	21
Legal Subdivision	HOWENOCA HILLS 1ST ADDITION
Legal Tract	239510
Legal Block	18
Legal Lot Number	7
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2035
Census Tract	11731

Owner

1040 Lake Lure Loop E is owned and occupied by an individual who bought it in February 2018.

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

Owner of Record	Individual Name on File
Mailing Address	1040 LAKE LURE LOOP E, LAKELAND, FL 33801-6249
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.

Deeds, Mortgages & Sale History

Date	Document
May 4, 2020	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAP & INV LLC
Feb 7, 2018	Grant Deed, Transfer · FHA Mortgage EAGLE HM MTG
Jul 13, 2017	Warranty Deed, Transfer SOUTHEAST PROF TITLE L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2018 · Amount on File
Deed Sale	Feb 7, 2018 · Amount on File
Prior Sale	Jul 13, 2017 · Amount on File
Deed Document Number	201828326
Deed Book / Page	10389 / 2264
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1040 LAKE LURE LOOP E, LAKELAND, FL 33801-6249
Document Number	0112450123
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 LAKE LURE LOOP E LAKELAND FL 338016249, LAKELAND, FL 33801-6249

Mortgage

Document Number	0112450123
Date	May 27, 2020
Book Page	011245/000123
Instrument	104865

Lender

Name	VILLAGE CAP & INV LLC
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 26, 2050

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Feb 7, 2018
Property Address	1040 LAKE LURE LOOP E, LAKELAND, FL 33801-6249
Document Number	0103892264
Book / Page	010389 / 002264
Instrument Date	Feb 1, 2018
Instrument	28326
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	SOUTHEAST PROF TITLE L

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1228 ARDEN OAKS FL, FL

Mortgage

Document Number	103892266
Date	Feb 7, 2018
Book Page	010389/002266
Instrument	28327

Lender

Name	EAGLE HM MTG
Type	Mortgage Company
Address	MIAMI, FL 33172-3139

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 6, 2048

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 13, 2017
Property Address	1040 LAKE LURE LOOP E, LAKELAND, FL 33801-6249
Document Number	0102031103
Book / Page	010203 / 001103
Instrument Date	Jul 7, 2017
Instrument	133503
Transaction Type	Transfer
Record Updated	Jul 31, 2017
Title Company	SOUTHEAST PROF TITLE L

Transaction

Amount	Amount on Record
Tax	$616.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8136 ATLANTIC PUFFIN ST WINTER GARDEN FL 347879646, WINTER GARDEN, FL 34787-9646

Tax Assessment & Valuation

The 2025 property tax bill for 1040 Lake Lure Loop E was $1,162 with exemptions applied.

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		$135,741 (+2.7%)	$198,865 (-0.25%) Land $16,200 Building $182,665
2025	$1,162.00 Homeowner's exemption	$132,172	$199,364 Land $16,200 Building $183,164
2023	$1,559.00 (+0.26%) Homeowner's exemption	$124,706 (+3%)	$191,767 (+4.43%) Land $15,600 Building $176,167
2022	$1,555.00 Homeowner's exemption	$121,074	$183,625 Land $13,200 Building $170,425

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

Flood

FEMA maps place 1040 Lake Lure Loop E in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2004.

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	6 in force
Nearby Flood Claims	4 (2004–2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 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

Wildfire risk around 1040 Lake Lure Loop E is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Tillman Fiber.

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