1086 Caravan Loop, Polk City, FL 33868 Property Records

Polk County property record for 1086 Caravan Loop, Polk City, FL 33868

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 936 sqft · built 2000
Lot Size	0.161 acres (7,009 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Apr 2019)
Tax Bill	$2,991 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-26-31-295433-000820`

Property Details

APN / Parcel Number

Primary APN	`25-26-31-295433-000820`
Alternative APNs	`312625295433000820` `12625000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	7,009 sqft (0.161 acres)
View / Lot	Commercial/Industrial
Garage Area	832 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	288 sqft
Utility Building	144 sqft

Location & Zoning

Street Address	1086 CARAVAN LOOP
City	POLK CITY
State	FL
Zip	33868-5102
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 82
Legal Range	25E
Legal Township	26S
Legal Section	31
Legal Subdivision	MOUNT OLIVE SHORES NORTH
Legal Tract	295433
Legal Block	1
Legal Lot Number	82
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1064
Census Tract	11605

Owner

1086 Caravan Loop is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1086 CARAVAN LOOP, POLK CITY, FL 33868-5102
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	Apr 3, 2019 · Amount on File
Deed Sale	Apr 3, 2019 · Amount on File
Prior Sale	Apr 2, 2009 · Amount on File
Deed Document Number	201966466
Deed Book / Page	10797 / 1445
Prior Transfer Date	Jan 23, 2008
Prior Transfer Doc	0000020869
Record Updated	Oct 29, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 3, 2019
Property Address	1086 CARAVAN LOOP, POLK CITY, FL 33868-5102
Document Number	0107971445
Book / Page	010797 / 001445
Instrument Date	Mar 29, 2019
Instrument	66466
Transaction Type	Transfer
Record Updated	Apr 22, 2019
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TITLE GRP/LAKELAND LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1086 CARAVAN LOOP POLK CITY FL 338685102, POLK CITY, FL 33868-5102

Mortgage

Document Number	107971447
Date	Apr 3, 2019
Book Page	010797/001447
Instrument	66467

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1086 Caravan Loop was $2,991.

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		$237,713 (+2.73%) Land $90,000 Building $147,713	$237,713 (+2.73%) Land $90,000 Building $147,713
2025	$2,991.00	$231,399 Land $82,000 Building $149,399	$231,399 Land $82,000 Building $149,399
2023	$3,428.00 (+8.58%)	$228,260 (+9.61%) Land $80,000 Building $148,260	$228,260 (+9.61%) Land $80,000 Building $148,260
2022	$3,157.00	$208,252 Land $50,000 Building $158,252	$208,252 Land $50,000 Building $158,252

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

Flood

FEMA maps place 1086 Caravan Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 1086 Caravan Loop is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · lower than 64% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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