1076 Caravan Loop, Polk City, FL 33868 Property Records

Polk County property record for 1076 Caravan Loop, Polk City, FL 33868

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 2002
Lot Size	0.193 acres (8,398 sqft)
Owner	2 Company Names on Record
Last Sale	$34,900 (Oct 2000)
Tax Bill	$1,526 (2025)
Deeds & Mortgages	Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-26-31-295433-000860`

Property Details

APN / Parcel Number

Primary APN	`25-26-31-295433-000860`
Alternative APNs	`312625295433000860` `12625000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	8,398 sqft (0.193 acres)
View / Lot	Commercial/Industrial
Garage Area	800 sqft
Porch	Screened/Unfinished Porch
Porch Area	410 sqft
Utility Building	192 sqft

Location & Zoning

Street Address	1076 CARAVAN LOOP
City	POLK CITY
State	FL
Zip	33868-5119
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 86
Legal Range	25E
Legal Township	26S
Legal Section	31
Legal Subdivision	MOUNT OLIVE SHORES NORTH
Legal Tract	295433
Legal Block	1
Legal Lot Number	86
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1064
Census Tract	11605

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 Record	2 Company Names on Record
Mailing Address	1076 CARAVAN LOOP, POLK CITY, FL 33868-5119
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2000 · Amount on Record
Deed Sale	Oct 17, 2000 · Amount on Record
Deed Book / Page	4554 / 770
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1076 CARAVAN LOOP, POLK CITY, FL 33868-5119
Document Number	0103181327
Book / Page	010318 / 001327
Instrument Date	Nov 8, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1076 CARAVAN LOOP POLK CITY FL 338685119, POLK CITY, FL 33868-5119

Mortgage

Document Number	0103181327
Date	Nov 20, 2017
Book Page	010318/001327
Instrument	222032

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2047

Tax Assessment & Valuation

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		$162,533 (+2.7%)	$265,944 (+2.19%) Land $90,000 Building $175,944
2025	$1,526.00 (-23.16%) Homeowner's exemption	$158,260 (+5.99%)	$260,243 (-0.55%) Land $82,000 Building $178,243
2023	$1,986.00 (+4.47%) Homeowner's exemption	$149,320 (+3%)	$261,681 (+6.23%) Land $80,000 Building $181,681
2022	$1,901.00 Homeowner's exemption	$144,971	$246,336 Land $50,000 Building $196,336

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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	Hurricane Irma, Sep 2017 · 3 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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