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1048 Rustic Estates Dr, Lakeland, FL 33811 Property Records

Polk County property record for 1048 Rustic Estates Dr, Lakeland, FL 33811 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1987
Square Footage2,036 sqft Living Area
Lot Size30,379 sqft (0.697 acres)
GarageAttached, 572 sqft
OccupancyOwner Occupied
Tax Bill$886.00 (2025)

Property Details

APN / Parcel Number

Primary APN23-29-23-141802-000040
Alternative APN
  • 32923000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,036 sqft Living Area
Gross Area2,608 sqft Gross Area
1st Floor2,036 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area30,379 sqft (0.697 acres)
Depth X Width303 ft x 100 ft Depth x Width
Garage TypeAttached Garage
Garage Area572 sqft Garage
Porch Area368 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling

Location & Zoning

Street Address1048 RUSTIC ESTATES DR
CityLAKELAND
StateFL
Zip33811-2315
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionRUSTIC ESTATES PB 79 PG 29 LOT 4
Legal Range23E
Legal Township29S
Legal Section23
Legal SubdivisionRUSTIC ESTATES
Legal Tract141802
Legal Block1
Legal Lot Number4
JurisdictionPOLK FL
Minor Civil DivisionLAKELAND
Census Blockgroup1
Census Block1004
Census Tract11912

Owner

Source: Polk County records · APN 23-29-23-141802-000040

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address1048 RUSTIC ESTATES DR, LAKELAND, FL 33811-2315
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Dec 18, 2020Deed of Trust, Mortgage · Line of Credit
MIDFLORIDA CU
Jul 14, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MTG
Sep 08, 2017Trustee's Deed, Construction Loan · Building or Construction Mortgage
FREEDOM MTG
Apr 24, 2017Deed of Trust, Mortgage · Line of Credit
MIDFLORIDA CU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Record RefreshedSep 20, 2026

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1048 RUSTIC ESTATES DR, LAKELAND, FL 33811-2315
Document Number0115191379
Instrument DateDec 18, 2020
Transaction TypeMortgage
Record UpdatedJan 15, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1048 RUSTIC ESTATES DR LAKELAND FL 338112315, LAKELAND, FL 33811-2315

Mortgage

Document Number0115191379
DateDec 31, 2020
Book Page011519/001379
Instrument284898
Lender
NameMIDFLORIDA CU
AddressLAKELAND, FL 33802
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueDec 30, 2030
Interest
Rate TypeAdjustable Rate

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1048 RUSTIC ESTATES DR, LAKELAND, FL 33811-2315
Document Number0113110940
Instrument DateJul 14, 2020
Transaction TypeMortgage
Record UpdatedAug 20, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1048 RUSTIC ESTATES DR LAKELAND FL 338112315, LAKELAND, FL 33811-2315

Mortgage

Document Number0113110940
DateJul 24, 2020
Book Page011311/000940
Instrument149603
Lender
NameUNITED WHOLESALE MTG
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 23, 2050

September 2017: Trustee's Deed, Construction Loan

Document TypeTrustee's Deed
JurisdictionPOLK FL
Recording DateSep 08, 2017
Property Address1048 RUSTIC ESTATES DR, LAKELAND, FL 33811-2315
Document Number0102580404
Book / Page010258 / 000404
Instrument DateAug 29, 2017
Instrument174819
Transaction TypeConstruction Loan
Record UpdatedNov 16, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1048 RUSTIC ESTATES DR LAKELAND FL 338112315, LAKELAND, FL 33811-2315

Mortgage

Document Number102580404
DateSep 08, 2017
Book Page010258/000404
Instrument174819
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeBuilding or Construction Mortgage
AmountAmount Recorded
Term12 Months
DueSep 07, 2018

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1048 RUSTIC ESTATES DR, LAKELAND, FL 33811-2315
Document Number0101331838
Book / Page010133 / 001838
Instrument DateApr 24, 2017
Transaction TypeMortgage
Record UpdatedJun 27, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1048 RUSTIC ESTATES DR LAKELAND FL 338112315, LAKELAND, FL 33811-2315

Mortgage

Document Number0101331838
DateMay 01, 2017
Book Page010133/001838
Instrument82689
Lender
NameMIDFLORIDA CU
AddressPO BOX 8008, LAKELAND, FL 33802-8008
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueApr 30, 2027
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$886.00 (-31.79%) Homeowner's exemption$108,757 (+5.99%)$320,370 (-2.97%) Land $54,000 Building $266,370
2023$1,299.00 (+4.67%) Homeowner's exemption$102,614 (+3%)$330,186 (+7.65%) Land $52,000 Building $278,186
2022$1,241.00 Homeowner's exemption$99,625$306,724 Land $40,000 Building $266,724

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 100 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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