10709 Pathfinder Trl, Lakeland, FL 33809 Property Records

Polk County property record for 10709 Pathfinder Trl, Lakeland, FL 33809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,689 sqft · built 2006
Lot Size	1.9 acres (82,921 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Sep 2020)
Tax Bill	$2,579 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`23-26-25-000580-000390`

Property Details

APN / Parcel Number

Primary APN	`23-26-25-000580-000390`
Alternative APNs	`252623000580000390` `52623000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,689 sqft Living Area
Gross Area	2,432 sqft
1st Floor Area	1,689 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	82,921 sqft
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	506 sqft
Porch	Florida Room
Porch Area	415 sqft
Shed	1 Shed

Location & Zoning

Street Address	10709 PATHFINDER TRL
City	LAKELAND
State	FL
Zip	33809-4937
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE WOODS RANCHING AND FARMING TRACTS PB 75 PGS 2 THRU 4 TRACT 39
Legal Range	23E
Legal Township	26S
Legal Section	25
Legal Subdivision	WOODS RANCHING AND FARMING TRACTS THE
Legal Tract	39
Legal Block	2
Legal Lot Number	39
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2002
Census Tract	12307

Owner

10709 Pathfinder Trl is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	10709 PATHFINDER TRL, LAKELAND, FL 33809-4937
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2020 · Amount on File
Deed Sale	Sep 28, 2020 · Amount on File
Prior Sale	Nov 4, 2005 · Amount on File
Deed Document Number	2020202390
Deed Book / Page	11391 / 628
Prior Transfer Date	Oct 26, 2005
Prior Transfer Doc	0000269327
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 28, 2020
Property Address	10709 PATHFINDER TRL, LAKELAND, FL 33809-4937
Document Number	0113910628
Book / Page	011391 / 000628
Instrument Date	Sep 1, 2020
Instrument	202390
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	GOLDEN RULE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10709 PATHFINDER TRL LAKELAND FL 338094937, LAKELAND, FL 33809-4937

Mortgage

Document Number	113910630
Date	Sep 28, 2020
Book Page	011391/000630
Instrument	202391

Lender

Name	PARAMOUNT RESID'L MTG
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 10709 Pathfinder Trl was $2,579 with a homeowner's exemption.

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		$228,193 (-4.79%) Land $58,940 Building $169,253	$228,193 (-4.79%) Land $58,940 Building $169,253
2025	$2,579.00 Homeowner's exemption	$239,677 Land $69,000 Building $170,677	$239,677 Land $69,000 Building $170,677
2023	$2,990.00 (+3%) Homeowner's exemption	$231,472 (+3%)	$359,920 (+31.04%) Land $72,500 Building $287,420
2022	$2,903.00 Homeowner's exemption	$224,730	$274,662 Land $34,370 Building $240,292

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

Flood

FEMA maps place 10709 Pathfinder Trl in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 41 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	13 (2004–2024)
Claims Outside the SFHA	2 of 13
Most Recent Claim	Oct 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

Wildfire risk around 10709 Pathfinder Trl is high, ranking above 74% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 74% of the US · above 60% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct 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 43 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