1205 Kells Ct, Lakeland, FL 33813 Property Records

Polk County property record for 1205 Kells Ct, Lakeland, FL 33813

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,087 sqft · built 1985
Lot Size	0.352 acres (15,333 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Jul 2023)
Tax Bill	$2,791 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-29-06-277804-000111`

Property Details

APN / Parcel Number

Primary APN	`24-29-06-277804-000111`
Alternative APNs	`062924277804000111` `62924000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,087 sqft Living Area
Gross Area	3,688 sqft
1st Floor Area	3,087 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	15,333 sqft (0.352 acres)
Lot Dimensions	170 ft deep x 90 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	601 sqft
Pool Area	450 sqft
Porch	Unfinished Open Porch
Porch Area	482 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1205 KELLS CT
City	LAKELAND
State	FL
Zip	33813-1265
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELLSMONT SUB PB 75 PG 24 LYING AND BEING IN A PORTION OF SECTIONS 5 & 6 T29S R24E LOT 11 LESS S 30 FT & A UNDIVIDED INTEREST IN TRACT A
Legal Range	24E
Legal Township	29S
Legal Section	06
Legal Subdivision	KELLSMONT SUBDIVISION
Legal Tract	A
Legal Block	1
Legal Lot Number	11
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1001
Census Tract	10603

Owner

Source: Polk County records, as of June 23, 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 Record
Mailing Address	1205 KELLS CT, LAKELAND, FL 33813-1265
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Jul 5, 2023	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Nov 16, 2018	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2023 · Amount on Record
Deed Sale	Jul 5, 2023 · Amount on Record
Prior Sale	Mar 30, 2000 · Amount on Record
Deed Document Number	2023155843
Deed Book / Page	12750 / 2120
Last Transfer Date	Dec 20, 2024
Transfer Doc	0000294119
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1205 KELLS CT, LAKELAND, FL 33813-1265
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000224329
Date	Sep 22, 2023
Book Page	12847/1406
Instrument	2023224329

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 25, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 5, 2023
Property Address	1205 KELLS CT, LAKELAND, FL 33813-1265
Document Number	0000155843
Book / Page	12750 / 2120
Map Reference	MB 75 PG 24
Instrument Date	Jun 29, 2023
Instrument	2023155843
Transaction Type	Transfer
Record Updated	Jul 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1205 KELLS CT, LAKELAND, FL 33813-1265

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 KELLS CT, LAKELAND, FL 33813-1265

Mortgage

Document Number	0127502122
Date	Jul 5, 2023
Instrument	12750/2122

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1205 KELLS CT, LAKELAND, FL 33813-1265
Document Number	0106801211
Instrument Date	Nov 16, 2018
Transaction Type	Mortgage
Record Updated	Dec 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1205 KELLS CT LAKELAND FL 338131265, LAKELAND, FL 33813-1265

Mortgage

Document Number	0106801211
Date	Nov 28, 2018
Book Page	010680/001211
Instrument	246273

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 27, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,791.00 (+171.76%) Homeowner's exemption	$197,930 (+100.01%)	$297,371 (-5.28%) Land $46,000 Building $251,371
2023	$1,027.00 (+4.37%)	$98,958 (+3%)	$313,959 (+7.08%) Land $45,000 Building $268,959
2022	$984.00 Homeowner's exemption	$96,076	$293,201 Land $42,500 Building $250,701

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.

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2023–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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

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

Wildfire Risk	Moderate above 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.2% 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	CITY OF LAKELAND serves 193,297 people · EPA ID FL6531014
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Frontier.

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