10939 Pathfinder Trl, Lakeland, FL 33809 Property Records

Polk County property record for 10939 Pathfinder Trl, Lakeland, FL 33809

Property Summary

Property Type	Mobile Home
Details	4 bd · 3 ba · 2,888 sqft · built 2007
Lot Size	1.85 acres (80,647 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Sep 2025)
Tax Bill	$1,338 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-26-25-000580-000270`

Property Details

APN / Parcel Number

Primary APN	`23-26-25-000580-000270`
Alternative APNs	`252623000580000270` `52623000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,888 sqft Living Area
1st Floor Area	2,888 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	80,647 sqft
Garage Type	Carport
Carport	Carport
Shed	1 Shed
Shed Area	1,200 sqft

Location & Zoning

Street Address	10939 PATHFINDER TRL
City	LAKELAND
State	FL
Zip	33809-4939
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	THE WOODS RANCHING AND FARMING TRACTS PB 75 PGS 2 THRU 4 TRACT 27
Legal Range	23E
Legal Township	26S
Legal Section	25
Legal Subdivision	WOODS RANCHING AND FARMING TRACTS THE
Legal Tract	27
Legal Block	2
Legal Lot Number	27
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2002
Census Tract	12307

Owner

10939 Pathfinder Trl, a mobile home, is owned by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	7011 TALL PINE RD, POLK CITY, FL 33868-9355
Owner Type	Individual
Vesting	Single Man

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

Date	Document
Sep 18, 2025	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
Mar 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTERSTATE BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2025 · Amount on File
Deed Sale	Sep 18, 2025 · Amount on File
Prior Sale	Jul 21, 2004 · Amount on File
Deed Document Number	2025219597
Deed Book / Page	13704 / 338
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 18, 2025
Property Address	10939 PATHFINDER TRL, LAKELAND, FL 33809-4939
Document Number	0000219597
Book / Page	13704 / 338
Map Reference	MB 75 PG 2-4
Instrument Date	Jul 25, 2025
Instrument	2025219597
Transaction Type	Transfer
Record Updated	Oct 8, 2025
Title Company	SWAN CITY TITLE CO LLC, SWAN CITY TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2344 HAMLET CIR, LAKELAND, FL 33810-5164

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7011 TALL PINE RD, POLK CITY, FL 33868-9355

Mortgage

Document Number	0013704340
Date	Sep 18, 2025
Instrument	13704/340

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2055

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	10939 PATHFINDER TRL, LAKELAND, FL 33809-4939
Document Number	0112040287
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	May 12, 2020
Title Company	GOLDEN RULE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10939 PATHFINDER TRL LAKELAND FL 338094939, LAKELAND, FL 33809-4939

Mortgage

Document Number	0112040287
Date	Apr 13, 2020
Book Page	011204/000287
Instrument	77720

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 12, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 10939 Pathfinder Trl was $1,338, down 31.1% from the year before.

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		$311,964 (+109.8%) Land $57,610 Building $254,354	$311,964 (+21.8%) Land $57,610 Building $254,354
2025	$1,338.00 (-31.07%)	$148,694 (+2.9%)	$256,119 (-32.55%) Land $68,500 Building $187,619
2024	$1,941.00 (+10.41%) Homeowner's exemption	$144,503 (+3%)	$379,742 (-2.19%) Land $82,225 Building $297,517
2023	$1,758.00 (+0.57%) Homeowner's exemption	$140,294 (+3%)	$388,257 (+23.75%) Land $71,250 Building $317,007
2022	$1,748.00 Homeowner's exemption	$136,208	$313,738 Land $33,805 Building $279,933

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 10939 Pathfinder Trl 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 10939 Pathfinder Trl is high, ranking above 75% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 75% of the US · above 62% of Florida
Wildfire Likelihood	0.5% 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

Cell Coverage

5G (outdoors only) and 4G LTE

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