Polk County property record for 111 Ed Padgett Rd, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,536 sqft · built 1981 |
| Lot Size | 0.479 acres (20,874 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $339,000 (Dec 2025) |
| Tax Bill | $1,569 (2025) |
| Deeds & Mortgages | Jul 2024 Second Mortgage Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-27-12-000000-012410 |
| Primary APN | 23-27-12-000000-012410 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,536 sqft Living Area |
| Gross Area | 1,404 sqft |
| 1st Floor Area | 1,260 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 20,874 sqft (0.479 acres) |
| Lot Dimensions | 180 ft deep x 115 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 144 sqft |
| Pool Area | 540 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 180 sqft |
| Shed | 1 Shed |
| Utility Building | 84 sqft |
| Cooling System | Central |
|---|
| Street Address | 111 ED PADGETT RD |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-1588 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE2 |
| Legal Description | W 115.9 FT OF E 231.8 FT OF N 202.94 FT OF SE1/4 OF NE1/4 LESS N 15 FT FOR RD & LESS ADDNL R/W FOR ED PADGETT RD PER MB 16 PG 103 |
| Legal Range | 23E |
| Legal Township | 27S |
| Legal Section | 12 |
| Legal Subdivision | BRENTWOOD LANE |
| Legal Tract | 000000 |
| Legal Block | 3 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 12303 |
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 Individual Names on File |
|---|---|
| Mailing Address | 111 ED PADGETT RD, LAKELAND, FL 33809-1588 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jul 9, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Dec 8, 2025 | Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 8, 2025 · Amount on File |
| Deed Sale | Dec 8, 2025 · Amount on File |
| Prior Sale | Aug 21, 2013 · Amount on File |
| Deed Document Number | 2025286307 |
| Deed Book / Page | 13801 / 2093 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 111 ED PADGETT RD, LAKELAND, FL 33809-1588 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000155944 |
|---|---|
| Date | Jul 9, 2024 |
| Book Page | 13180/964 |
| Instrument | 2024155944 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 8, 2025 |
| Property Address | 111 ED PADGETT RD, LAKELAND, FL 33809-1588 |
| Document Number | 0000286307 |
| Book / Page | 13801 / 2093 |
| Instrument Date | Nov 25, 2025 |
| Instrument | 2025286307 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Title Company | CLA TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,373.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6004 FOREST LN, LAKELAND, FL 33811-2584 |
| Name | Verified Name |
|---|---|
| Address | 111 ED PADGETT RD, LAKELAND, FL 33809-1588 |
| Document Number | 0138012095 |
|---|---|
| Date | Dec 8, 2025 |
| Instrument | 13801/2095 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Number | 0000286309 |
|---|---|
| Date | Dec 8, 2025 |
| Book Page | 13801/2115 |
| Instrument | 2025286309 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
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 | $280,034 (+73.34%) Land $14,904 Building $265,130 | $280,034 (-13.35%) Land $14,904 Building $265,130 | |
| 2025 | $1,569.00 (+16.74%) Homeowner's exemption | $161,553 (+54.11%) | $323,163 (+38.32%) Land $14,904 Building $308,259 |
| 2023 | $1,344.00 (+4.67%) Homeowner's exemption | $104,831 (+3%) | $233,627 (+12.07%) Land $14,352 Building $219,275 |
| 2022 | $1,284.00 Homeowner's exemption | $101,778 | $208,471 Land $12,144 Building $196,327 |
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.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 4 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 42% 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 105 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 |
| Verizon Fixed Wireless | 300 / 20 |
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