Polk County property record for 1126 Odoniel Loop N, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,235 sqft · built 1986 |
| Lot Size | 0.454 acres (19,759 sqft) |
| Owner | Individual Name on File |
| Last Sale | $427,900 (Sep 2023) |
| Tax Bill | $1,902 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Jan 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-17-161100-000550 |
| Primary APN | 24-27-17-161100-000550 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,235 sqft Living Area |
| Gross Area | 2,981 sqft |
| 1st Floor Area | 1,584 sqft |
| Upper Floors Area | 651 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 19,759 sqft (0.454 acres) |
| Lot Dimensions | 152 ft deep x 130 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Porch | Florida Room |
| Porch Area | 367 sqft |
| Cooling System | Central |
|---|
| Street Address | 1126 ODONIEL LOOP N |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-4660 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COUNTRY OAKS OF LAKELAND PB 77 PGS 2 & 3 LOT 55 |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 17 |
| Legal Subdivision | COUNTRY OAKS OF LAKELAND |
| Legal Tract | 161100 |
| Legal Block | 1 |
| Legal Lot Number | 55 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 12304 |
1126 Odoniel Loop N is owned and occupied by an individual who bought it in September 2023.
Source: Polk County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1126 ODONIEL LOOP N, LAKELAND, FL 33809-4660 |
| 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.
| Date | Document |
|---|---|
| Sep 29, 2023 | Warranty Deed, Transfer · Conventional Mortgage GARDNER FINANCIAL SERVICES LTD |
| Jan 19, 2023 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Mar 17, 2022 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Apr 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Mar 18, 2019 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2023 · Amount on File |
| Deed Sale | Sep 29, 2023 · Amount on File |
| Prior Sale | Oct 5, 2015 · Amount on File |
| Deed Document Number | 2023228832 |
| Deed Book / Page | 12853 / 1736 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 29, 2023 |
| Property Address | 1126 ODONIEL LOOP N, LAKELAND, FL 33809-4660 |
| Document Number | 0000228832 |
| Book / Page | 12853 / 1736 |
| Map Reference | MB 77 PG 2&3 |
| Instrument Date | Sep 22, 2023 |
| Instrument | 2023228832 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2023 |
| Title Company | EASY TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,995.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 712 CEDAR KNOLL DR N, LAKELAND, FL 33809-2343 |
| Name | Verified Name |
|---|---|
| Address | 1126 ODONIEL LOOP N, LAKELAND, FL 33809-4660 |
| Document Number | 0128531738 |
|---|---|
| Date | Sep 29, 2023 |
| Instrument | 12853/1738 |
| Name | GARDNER FINANCIAL SERVICES LTD |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1126 ODONIEL LOOP N, LAKELAND, FL 33809-4660 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000014524 |
|---|---|
| Date | Jan 19, 2023 |
| Book Page | 12556/97 |
| Instrument | 2023014524 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 110 Months |
| Due | Mar 15, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1126 ODONIEL LOOP N, LAKELAND, FL 33809-4660 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000072135 |
|---|---|
| Date | Mar 17, 2022 |
| Book Page | 12165/1069 |
| Instrument | 2022072135 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 15, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1126 ODONIEL LOOP N, LAKELAND, FL 33809-4660 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1126 ODONIEL LOOP N, LAKELAND, FL 33809-4660 |
| Document Number | 0000084066 |
|---|---|
| Date | Apr 5, 2021 |
| Book Page | 11650/1322 |
| Instrument | 2021084066 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1126 ODONIEL LOOP N, LAKELAND, FL 33809-4660 |
| Document Number | 0107961746 |
| Instrument Date | Mar 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1126 ODONIEL LOOP N LAKELAND FL 338094660, LAKELAND, FL 33809-4660 |
| Document Number | 0107961746 |
|---|---|
| Date | Apr 2, 2019 |
| Book Page | 010796/001746 |
| Instrument | 65884 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1126 Odoniel Loop N was $1,902 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 | $192,425 (+2.7%) | $281,353 (+0.32%) Land $50,000 Building $231,353 | |
| 2025 | $1,902.00 | $187,366 | $280,451 Land $50,000 Building $230,451 |
| 2023 | $2,426.00 (+3.9%) Homeowner's exemption | $182,724 (+3%) | $289,129 (+5.37%) Land $48,000 Building $241,129 |
| 2022 | $2,335.00 Homeowner's exemption | $177,402 | $274,395 Land $40,000 Building $234,395 |
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.
FEMA maps place 1126 Odoniel Loop N in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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 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 risk around 1126 Odoniel Loop N is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 249 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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