1121 Odoniel Loop S, Lakeland, FL 33809 Property Records

Polk County property record for 1121 Odoniel Loop S, Lakeland, FL 33809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,098 sqft · built 1987
Lot Size	0.596 acres (25,962 sqft)
Owner	Individual Name on File
Last Sale	$234,800 (Dec 2018)
Tax Bill	$2,803 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage Aug 2023 Second Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`24-27-17-161100-000360`

Property Details

APN / Parcel Number

Primary APN	`24-27-17-161100-000360`
Alternative APNs	`172724161100000360` `72724000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,098 sqft Living Area
Gross Area	2,582 sqft
1st Floor Area	2,098 sqft
Flooring	Parquet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	25,962 sqft (0.596 acres)
Lot Dimensions	237 ft deep x 103 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	484 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Porch	Unfinished Open Porch
Porch Area	24 sqft
Patio Area	540 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1121 ODONIEL LOOP S
City	LAKELAND
State	FL
Zip	33809-4663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY OAKS OF LAKELAND PB 77 PGS 2 & 3 LOT 36
Legal Range	24E
Legal Township	27S
Legal Section	17
Legal Subdivision	COUNTRY OAKS OF LAKELAND
Legal Tract	161100
Legal Block	1
Legal Lot Number	36
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1001
Census Tract	12304

Owner

1121 Odoniel Loop S is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	1121 ODONIEL LOOP S, LAKELAND, FL 33809-4663
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

Date	Document
Mar 25, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Aug 1, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Oct 20, 2020	Deed of Trust, Mortgage · FHA Mortgage MERIDIAN HM MTG
Dec 5, 2018	Warranty Deed, Transfer · Conventional with PMI PARAMOUNT RESID'L MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2018 · Amount on File
Deed Sale	Dec 5, 2018 · Amount on File
Prior Sale	Aug 2, 2013 · Amount on File
Deed Document Number	2018251922
Deed Book / Page	10688 / 883
Prior Transfer Date	Jun 19, 1995
Prior Transfer Doc	3555001038
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1121 ODONIEL LOOP S, LAKELAND, FL 33809-4663
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1121 ODONIEL LOOP S, LAKELAND, FL 33809-4663

Mortgage

Document Number	0000068509
Date	Mar 25, 2024
Book Page	13052/982
Instrument	2024068509

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2044

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1121 ODONIEL LOOP S, LAKELAND, FL 33809-4663
Transaction Type	Mortgage
Record Updated	Aug 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1121 ODONIEL LOOP S, LAKELAND, FL 33809-4663

Mortgage

Document Number	0000179145
Date	Aug 1, 2023
Book Page	12784/2105
Instrument	2023179145

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2043

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1121 ODONIEL LOOP S, LAKELAND, FL 33809-4663
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1121 ODONIEL LOOP S, LAKELAND, FL 33809-4663

Mortgage

Document Number	0000248221
Date	Sep 23, 2021
Book Page	11905/602
Instrument	2021248221

Lender

Name	LOWER LLC
Type	Non-Lending Institution
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2036

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1121 ODONIEL LOOP S, LAKELAND, FL 33809-4663
Document Number	0114340122
Instrument Date	Oct 20, 2020
Transaction Type	Mortgage
Record Updated	Nov 11, 2020
Title Company	RESEARCH TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1121 ODONIEL LOOP S LAKELAND FL 338094663, LAKELAND, FL 33809-4663

Mortgage

Document Number	0114340122
Date	Oct 29, 2020
Book Page	011434/000122
Instrument	230067

Lender

Name	MERIDIAN HM MTG
Type	Mortgage Company
Address	ROANOKE, VA 24157

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 28, 2040

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 5, 2018
Property Address	1121 ODONIEL LOOP S, LAKELAND, FL 33809-4663
Document Number	0106880883
Book / Page	010688 / 000883
Instrument Date	Oct 31, 2018
Instrument	251922
Transaction Type	Transfer
Record Updated	Dec 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,643.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1121 ODONIEL LOOP S LAKELAND FL 338094663, LAKELAND, FL 33809-4663

Mortgage

Document Number	106880870
Date	Dec 5, 2018
Book Page	010688/000870
Instrument	251921

Lender

Name	PARAMOUNT RESID'L MTG
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 4, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1121 Odoniel Loop S was $2,803 with a homeowner's exemption.

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		$263,988 (+2.7%)	$293,597 (+6.34%) Land $50,000 Building $243,597
2025	$2,803.00 Homeowner's exemption	$257,048	$276,086 Land $50,000 Building $226,086
2023	$3,196.00 (+3.36%) Homeowner's exemption	$242,528 (+3%)	$284,786 (-0.92%) Land $48,000 Building $236,786
2022	$3,092.00 Homeowner's exemption	$235,464	$287,419 Land $40,000 Building $247,419

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

Flood

FEMA maps place 1121 Odoniel Loop S in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	132.9 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 20 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 1121 Odoniel Loop S is moderate, ranking above 44% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.1% 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	NORTHWEST serves 28,082 people · EPA ID FL6532348
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	21 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 348 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

May also be available: T-Mobile.

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