1145 Fleming Ave, Lakeland, FL 33815 Property Records

Polk County property record for 1145 Fleming Ave, Lakeland, FL 33815

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,948 sqft · built 1973
Lot Size	0.181 acres (7,876 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Jul 2024)
Tax Bill	$3,241 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage Dec 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`23-28-22-091500-004110`

Property Details

APN / Parcel Number

Primary APN	`23-28-22-091500-004110`
Alternative APNs	`222823091500004110` `22823000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,948 sqft Living Area
Gross Area	1,424 sqft
1st Floor Area	1,424 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	7,876 sqft (0.181 acres)
Lot Dimensions	157 ft deep x 50 ft wide
View / Lot	Commercial/Industrial
Porch	Unfinished Open Porch
Porch Area	88 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1145 FLEMING AVE
City	LAKELAND
State	FL
Zip	33815-3650
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	GARDEN HOMES PB 21 PG 7 BLK D LOT 11
Legal Range	23E
Legal Township	28S
Legal Section	22
Legal Subdivision	GARDEN HOMES
Legal Tract	91500
Legal Block	D
Legal Lot Number	11
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1023
Census Tract	12003

Owner

Source: Polk County records · APN 23-28-22-091500-004110

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	4218 SABAL PARK DR, 101, TAMPA, FL 33610-7638
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2024	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Dec 28, 2021	Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Apr 25, 2018	Grant Deed, Transfer · Conventional Mortgage PRIVATE INDIVIDUAL
Apr 10, 2018	Grant Deed, Transfer ATTORNEY ONLY
Sep 20, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 24, 2024 · Amount on Record
Deed Sale	Jul 24, 2024 · Amount on Record
Prior Sale	Dec 28, 2021 · Amount on Record
Deed Document Number	2024170526
Deed Book / Page	13202 / 1021
Prior Transfer Date	Sep 15, 2008
Prior Transfer Doc	0000176378
Record Updated	Sep 20, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 24, 2024
Property Address	1145 FLEMING AVE, LAKELAND, FL 33815-3650
Document Number	0000170526
Book / Page	13202 / 1021
Map Reference	MB 21 PG 7
Instrument Date	Jul 01, 2024
Instrument	2024170526
Transaction Type	Transfer
Record Updated	Aug 08, 2024
Title Company	SWAN CITY TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7358 BEAUMONT DR, LAKELAND, FL 33810-2216

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4218 SABAL PARK DR UNIT 101, 101, TAMPA, FL 33610-7638

Mortgage

Document Number	0132021023
Date	Jul 24, 2024
Instrument	13202/1023

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2054

Mortgage

Document Number	0000170528
Date	Jul 24, 2024
Book Page	13202/1035
Instrument	2024170528

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 01, 2034

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 28, 2021
Property Address	1145 FLEMING AVE, LAKELAND, FL 33815-3650
Document Number	0000336953
Book / Page	12046 / 56
Map Reference	MB 21 PG 7
Instrument Date	Dec 14, 2021
Instrument	2021336953
Transaction Type	Transfer
Record Updated	Apr 02, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,688.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3011 VIA SIENA ST, PLANT CITY, FL 33566-1000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1145 FLEMING AVE, LAKELAND, FL 33815-3650
Investor	Possibly a Property Investor

Mortgage

Document Number	0001204658
Date	Dec 28, 2021
Instrument	12046/58

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Apr 25, 2018
Property Address	1145 FLEMING AVE, LAKELAND, FL 33815-3650
Document Number	0104650014
Book / Page	010465 / 000014
Instrument Date	Apr 10, 2018
Instrument	88257
Transaction Type	Transfer
Record Updated	May 09, 2018
Title Company	TALON TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$553.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	108 CITRUS LANDING DR PLANT CITY FL 335636925, PLANT CITY, FL 33563-6925

Mortgage

Document Number	104650016
Date	Apr 25, 2018
Book Page	010465/000016
Instrument	88258

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	PETE BEACH, FL 33706

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	10%

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Apr 10, 2018
Property Address	1145 FLEMING AVE, LAKELAND, FL 33815-3650
Document Number	0104492016
Book / Page	010449 / 002016
Instrument Date	Mar 26, 2018
Instrument	76324
Transaction Type	Transfer
Record Updated	Apr 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$469.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8170 61ST LN N PINELLAS PARK FL 337811315, PINELLAS PARK, FL 33781-1315

September 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	POLK FL
Recording Date	Sep 20, 2017
Property Address	1145 FLEMING AVE, LAKELAND, FL 33815-3650
Document Number	0102650423
Book / Page	010265 / 000423
Instrument Date	Sep 20, 2017
Instrument	180153
Transaction Type	Foreclosure
Record Updated	Oct 05, 2017

Transaction

Tax	$0.00
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	1145 FLEMING AVE LAKELAND FL 338153650, LAKELAND, FL 33815-3650
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,241.00 (+22.21%)	$241,384 (+20.7%) Land $24,415 Building $216,969	$241,384 (-1.79%) Land $24,415 Building $216,969
2023	$2,652.00 (+3.23%) Homeowner's exemption	$199,989 (+3%)	$245,772 (+26.58%) Land $23,627 Building $222,145
2022	$2,569.00 Homeowner's exemption	$194,164 Land $6,050 Building $188,114	$194,164 Land $6,050 Building $188,114

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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
Flood Insurance Cost	Premium on Record median of 22 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	12 (1994–2024)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 4 claims Hurricane Frances, Sep 2004 · 2 claims

Wildfire

Wildfire Risk	Moderate above 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

Based on FCC filings for 321 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF LAKELAND serves 193,297 people
Water Source	Groundwater
Last State Inspection	Jul 2022
Lead	Under 1 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	6 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

1145 Fleming Ave, Lakeland, FL 33815 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2024: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

December 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2018: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

April 2018: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2017: Trustee's Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on Fleming Ave

Nearby Streets

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