10904 Trail's End, Lakeland, FL 33809 Property Records

Polk County property record for 10904 Trail's End, Lakeland, FL 33809

Property Summary

Property Type	Mobile Home
Details	2,280 sqft · built 2009
Lot Size	3.51 acres (153,214 sqft)
Owner	Individual Name on Record
Last Sale	$25,000 (Aug 1995)
Tax Bill	$1,275 (2025)
Deeds & Mortgages	Oct 2017 Mortgage
Flood Zone	Zone A (high risk)
APN	`23-26-26-000600-000320`

Property Details

APN / Parcel Number

Primary APN	`23-26-26-000600-000320`
Alternative APNs	`262623000600000320` `62623000`

Interior

Building Area	2,280 sqft Living Area
1st Floor Area	2,280 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Mobile Home
Lot Area	153,214 sqft
Garage Type	Carport
Garage Area	264 sqft
Carport	Carport
Carport Area	264 sqft
Shed	1 Shed
Gazebo	Gazebo

Location & Zoning

Street Address	10904 TRAILS END
City	LAKELAND
State	FL
Zip	33809-4984
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RC
Legal Description	THE WOODS UNIT NO 2 PB 65 PGS 17/19 LOT 32
Legal Range	23E
Legal Township	26S
Legal Section	26
Legal Subdivision	WOODS THE UNIT 2
Legal Tract	600
Legal Block	2
Legal Lot Number	32
Legal Unit	2
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2006
Census Tract	12307

Owner

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	Individual Name on Record
Mailing Address	10904 TRAILS END, LAKELAND, FL 33809-4984
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 1995 · Amount on Record
Deed Sale	Aug 14, 1995 · Amount on Record
Deed Book / Page	3565 / 560
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	10904 TRAILS END, LAKELAND, FL 33809-4984
Document Number	0104841258
Instrument Date	Oct 21, 2017
Transaction Type	Mortgage
Record Updated	Jun 12, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10904 TRAILS END LAKELAND FL 338094984, LAKELAND, FL 33809-4984

Mortgage

Document Number	0104841258
Date	May 14, 2018
Book Page	010484/001258
Instrument	102979

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2048

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		$142,622 (+2.7%)	$301,811 (-1.51%) Land $60,272 Building $241,539
2025	$1,275.00 (-25.09%) Homeowner's exemption	$138,872 (+5.99%)	$306,426 (+1.2%) Land $70,000 Building $236,426
2023	$1,702.00 (+4.1%) Homeowner's exemption	$131,027 (+3%)	$302,801 (+25.23%) Land $73,800 Building $229,001
2022	$1,635.00 Homeowner's exemption	$127,211	$241,791 Land $35,396 Building $206,395

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 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 Record 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

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

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.3% 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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000