Polk County property record for 1045 Caravan Loop, Polk City, FL 33868
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,408 sqft · built 1999 |
| Lot Size | 0.215 acres (9,352 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $425,000 (Sep 2025) |
| Tax Bill | $2,390 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage May 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-26-31-295433-001040 |
| Primary APN | 25-26-31-295433-001040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,408 sqft Living Area |
| 1st Floor Area | 1,657 sqft |
| Upper Floors Area | 495 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 9,352 sqft (0.215 acres) |
| View / Lot | Commercial/Industrial |
| Garage Area | 846 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 344 sqft |
| Patio Area | 308 sqft |
| Utility Building | 168 sqft |
| Street Address | 1045 CARAVAN LOOP |
|---|---|
| City | POLK CITY |
| State | FL |
| Zip | 33868-5123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MT OLIVE SHORES NORTH PB 104 PGS 38 & 39 LYING IN A PORTION OF SECTIONS 31&32 T26 R25 LOT 104 |
| Legal Range | 25E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | MOUNT OLIVE SHORES NORTH |
| Legal Tract | 295433 |
| Legal Block | 1 |
| Legal Lot Number | 104 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1066 |
| Census Tract | 11605 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 1045 CARAVAN LOOP, POLK CITY, FL 33868-5123 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Sep 24, 2025 | Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU |
| May 16, 2022 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 2025 · Amount on Record |
| Deed Sale | Sep 24, 2025 · Amount on Record |
| Prior Sale | Nov 17, 1997 · Amount on Record |
| Deed Document Number | 2025224745 |
| Deed Book / Page | 13711 / 200 |
| Prior Transfer Date | May 9, 2022 |
| Prior Transfer Doc | 0000133889 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 24, 2025 |
| Property Address | 1045 CARAVAN LOOP, POLK CITY, FL 33868-5123 |
| Document Number | 0000224745 |
| Book / Page | 13711 / 200 |
| Map Reference | MB 104 PG 38&39 |
| Instrument Date | Sep 13, 2025 |
| Instrument | 2025224745 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Title Company | GOLDEN RULE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 70 OSPREY VILLAGE DR, AMELIA ISLAND, FL 32034-4956 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1045 CARAVAN LOOP, POLK CITY, FL 33868-5123 |
| Document Number | 0013711202 |
|---|---|
| Date | Sep 24, 2025 |
| Instrument | 13711/202 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 16, 2022 |
| Property Address | 1045 CARAVAN LOOP, POLK CITY, FL 33868-5123 |
| Document Number | 0000133889 |
| Book / Page | 12255 / 1830 |
| Map Reference | MB 104 PG 38&39 |
| Instrument Date | May 9, 2022 |
| Instrument | 2022133889 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1045 CARAVAN LOOP, 1045, POLK CITY, FL 33868-5123 |
| Name | Verified Name |
|---|---|
| Address | 1045 CARAVAN LOOP, POLK CITY, FL 33868-5123 |
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 | $332,760 (+47.81%) Land $87,000 Building $245,760 | $332,760 (-1.08%) Land $87,000 Building $245,760 | |
| 2025 | $2,390.00 (-20.12%) | $225,126 (+2.9%) | $336,394 (+3.32%) Land $87,000 Building $249,394 |
| 2024 | $2,992.00 (+6.33%) Homeowner's exemption | $218,781 (+3%) | $325,596 (-1.97%) Land $87,000 Building $238,596 |
| 2023 | $2,814.00 (+3.68%) Homeowner's exemption | $212,409 (+3%) | $332,137 (+6.15%) Land $85,000 Building $247,137 |
| 2022 | $2,714.00 Homeowner's exemption | $206,222 | $312,907 Land $55,000 Building $257,907 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 5 (2004–2017) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | POLK CITY SYSTEM serves 2,568 people · EPA ID FL6531424 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2023 |
| Lead | 1 ppb (2024) 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.
Source: FCC Broadband Data Collection, based on 157 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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