Polk County property record for 1140 Odoniel Loop S, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,299 sqft · built 2003 |
| Lot Size | 0.474 acres (20,665 sqft) |
| Owner | Individual Name on File |
| Last Sale | $405,000 (Dec 2025) |
| Tax Bill | $2,395 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Mar 2022 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-17-161100-001030 |
| Primary APN | 24-27-17-161100-001030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,299 sqft Living Area |
| Gross Area | 2,759 sqft |
| 1st Floor Area | 2,299 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 20,665 sqft (0.474 acres) |
| Lot Dimensions | 144 ft deep x 130 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 388 sqft |
| Street Address | 1140 ODONIEL LOOP S |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-2327 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COUNTRY OAKS OF LAKELAND PB 77 PGS 2 & 3 LOT 103 |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 17 |
| Legal Subdivision | COUNTRY OAKS OF LAKELAND |
| Legal Tract | 161100 |
| Legal Block | 1 |
| Legal Lot Number | 103 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 12304 |
1140 Odoniel Loop S is owned and occupied by an individual who bought it in December 2025.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1140 ODONIEL LOOP S, LAKELAND, FL 33809-2327 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
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 |
|---|---|
| Mar 18, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 10, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Dec 8, 2025 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Apr 14, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Apr 11, 2017 | Warranty Deed, Transfer · FHA Mortgage LANDMARK MORTGAGE & ASSOCIATES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 8, 2025 · Amount on File |
| Deed Sale | Dec 8, 2025 · Amount on File |
| Prior Sale | Apr 11, 2017 · Amount on File |
| Deed Document Number | 2025287013 |
| Deed Book / Page | 13802 / 2221 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1140 ODONIEL LOOP S, LAKELAND, FL 33809-2327 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 1140 ODONIEL LOOP S, LAKELAND, FL 33809-2327 |
| Document Number | 0000069693 |
|---|---|
| Date | Mar 18, 2021 |
| Book Page | 11628/1167 |
| Instrument | 2021069693 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1140 ODONIEL LOOP S, LAKELAND, FL 33809-2327 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1140 ODONIEL LOOP S, LAKELAND, FL 33809-2327 |
| Document Number | 0000064464 |
|---|---|
| Date | Mar 10, 2022 |
| Book Page | 12154/218 |
| Instrument | 2022064464 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | PHILADELPHIA, PA 19104 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 8, 2025 |
| Property Address | 1140 ODONIEL LOOP S, LAKELAND, FL 33809-2327 |
| Document Number | 0000287013 |
| Book / Page | 13802 / 2221 |
| Map Reference | MB 77 PG 2&3 |
| Instrument Date | Nov 26, 2025 |
| Instrument | 2025287013 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Title Company | UNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,835.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 681 POWDER HORN ROW, LAKELAND, FL 33809-6667 |
| Name | Verified Name |
|---|---|
| Address | 1140 ODONIEL LOOP S, LAKELAND, FL 33809-2327 |
| Investor | Possibly a Property Investor |
| Document Number | 0138022223 |
|---|---|
| Date | Dec 8, 2025 |
| Instrument | 13802/2223 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1140 ODONIEL LOOP S, LAKELAND, FL 33809-2327 |
| Document Number | 0112371194 |
| Instrument Date | Apr 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1140 ODONIEL LOOP S LAKELAND FL 338092327, LAKELAND, FL 33809-2327 |
| Document Number | 0112371194 |
|---|---|
| Date | May 18, 2020 |
| Book Page | 011237/001194 |
| Instrument | 99612 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 17, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 11, 2017 |
| Property Address | 1140 ODONIEL LOOP S, LAKELAND, FL 33809-2327 |
| Document Number | 0101150573 |
| Book / Page | 010115 / 000573 |
| Instrument Date | Mar 30, 2017 |
| Instrument | 68203 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2018 |
| Title Company | FLORIDA FAM TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1140 0 DANIEL LOOP S LAKELAND FL 33809, LAKELAND, FL 33809 |
| Document Number | 101150575 |
|---|---|
| Date | Apr 11, 2017 |
| Book Page | 010115/000575 |
| Instrument | 68204 |
| Name | LANDMARK MORTGAGE & ASSOCIATES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | LAKELAND, FL 33801 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 10, 2047 |
The 2025 property tax bill for 1140 Odoniel Loop S was $2,395.
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 | $292,004 (+29.52%) Land $50,000 Building $242,004 | $292,004 (-2.33%) Land $50,000 Building $242,004 | |
| 2025 | $2,395.00 Homeowner's exemption | $225,444 | $298,983 Land $50,000 Building $248,983 |
| 2023 | $2,805.00 (+3.58%) Homeowner's exemption | $212,709 (+3%) | $314,643 (-1.79%) Land $48,000 Building $266,643 |
| 2022 | $2,708.00 Homeowner's exemption | $206,514 | $320,368 Land $40,000 Building $280,368 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1140 Odoniel Loop S 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 AE, within 500 ft |
| 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 1140 Odoniel Loop S is low, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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 224 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 |
| AT&T Fixed Wireless | 100 / 20 |
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