Polk County property record for 1104 Thomas Rd, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,758 sqft · built 1964 |
| Lot Size | 0.911 acres (39,670 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,469 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-27-01-000000-044100 |
| Primary APN | 23-27-01-000000-044100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,758 sqft Living Area |
| 1st Floor Area | 1,518 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 39,670 sqft (0.911 acres) |
| Lot Dimensions | 244 ft deep x 162 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Porch | Florida Room |
| Porch Area | 384 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 1104 THOMAS RD |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-6530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Description | BEG SW COR OF SW1/4 RUN N 132 FT E 382.23 FT TO POB CONT E 162.5 FT N 269.39 FT W 162.5 FT S 268.95 FT TO POB LESS N 25 FT FOR RD R/W BEING LOT 3 UNREC AVALON |
| Legal Range | 23E |
| Legal Township | 27S |
| Legal Section | 01 |
| Legal Subdivision | AVALON |
| Legal Tract | 000000 |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 12307 |
1104 Thomas Rd is owned and occupied by an individual who acquired it in December 2007.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1104 THOMAS RD, LAKELAND, FL 33809-6530 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 11, 2007 |
| Transfer Doc | 0000065776 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1104 THOMAS RD, LAKELAND, FL 33809-6530 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1104 THOMAS RD, LAKELAND, FL 33809-6530 |
| Document Number | 0000266883 |
|---|---|
| Date | Nov 12, 2025 |
| Book Page | 13773/1804 |
| Instrument | 2025266883 |
| Name | THE HELOC COMPANY LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | SILVER SPRING, MD 20910 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Oct 21, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 1104 Thomas Rd was $1,469 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $158,016 (+2.7%) | $244,696 (-2.37%) Land $39,160 Building $205,536 | |
| 2025 | $1,469.00 Homeowner's exemption | $153,862 | $250,629 Land $39,001 Building $211,628 |
| 2023 | $1,903.00 (+3.88%) Homeowner's exemption | $145,171 (+3%) | $251,144 (+14.31%) Land $38,094 Building $213,050 |
| 2022 | $1,832.00 Homeowner's exemption | $140,943 | $219,703 Land $31,745 Building $187,958 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1104 Thomas Rd in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 2004.
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 |
|---|---|
| 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 |
|
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 risk around 1104 Thomas Rd is moderate, ranking above 62% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · lower than 62% 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.
Source: FCC Broadband Data Collection, based on 61 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Frontier.
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