1214 Spinnaker Dr, Lakeland, FL 33805 Property Records

Polk County property record for 1214 Spinnaker Dr, Lakeland, FL 33805

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,196 sqft · built 1983
Lot Size	0.161 acres (7,022 sqft)
Owner	Individual Name on File
Last Sale	$103,000 (Apr 2012)
Tax Bill	$626 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-08-175410-000070`

Property Details

APN / Parcel Number

Primary APN	`24-28-08-175410-000070`
Alternative APNs	`082824175410000070` `82824000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,196 sqft Living Area
Gross Area	1,460 sqft
1st Floor Area	1,196 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	7,022 sqft (0.161 acres)
Lot Dimensions	106 ft deep x 60.2 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	264 sqft
Porch	Unfinished Open Porch
Porch Area	61 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1214 SPINNAKER DR
City	LAKELAND
State	FL
Zip	33805-4703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Description	SPINNAKER SOUND PB 71 PG 27 LOT 7
Legal Range	24E
Legal Township	28S
Legal Section	08
Legal Subdivision	SPINNAKER SOUND
Legal Tract	175410
Legal Block	3
Legal Lot Number	7
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	3
Census Block	3001
Census Tract	10300

Owner

1214 Spinnaker Dr is owned and occupied by an individual who acquired it in March 2014.

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

Owner of Record	Individual Name on File
Mailing Address	1214 SPINNAKER DR, LAKELAND, FL 33805-4703
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
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP
May 22, 2019	Deed of Trust, Mortgage · FHA Mortgage GOODMORTGAGE.COM
May 29, 2018	Deed of Trust, Mortgage · FHA Mortgage CITYWORTH MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2012 · Amount on File
Deed Sale	Apr 23, 2012 · Amount on File
Prior Sale	Jun 2, 2004 · Amount on File
Deed Document Number	201270302
Deed Book / Page	8630 / 1284
Last Transfer Date	Mar 21, 2014
Transfer Doc	0000052034
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1214 SPINNAKER DR, LAKELAND, FL 33805-4703
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1214 SPINNAKER DR, LAKELAND, FL 33805-4703

Mortgage

Document Number	0000169608
Date	Jun 30, 2021
Book Page	11783/595
Instrument	2021169608

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1214 SPINNAKER DR, LAKELAND, FL 33805-4703
Document Number	0108641443
Instrument Date	May 22, 2019
Transaction Type	Mortgage
Record Updated	Jun 24, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1214 SPINNAKER DR LAKELAND FL 338054703, LAKELAND, FL 33805-4703

Mortgage

Document Number	0108641443
Date	Jun 5, 2019
Book Page	010864/001443
Instrument	115853

Lender

Name	GOODMORTGAGE.COM
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1214 SPINNAKER DR, LAKELAND, FL 33805-4703
Document Number	0105071592
Instrument Date	May 29, 2018
Transaction Type	Mortgage
Record Updated	Jun 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1214 SPINNAKER DR LAKELAND FL 338054703, LAKELAND, FL 33805-4703

Mortgage

Document Number	0105071592
Date	Jun 6, 2018
Book Page	010507/001592
Instrument	120224

Lender

Name	CITYWORTH MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22033

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1214 Spinnaker Dr was $626 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 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
2026		$79,997 (+2.7%)	$149,609 (-1.84%) Land $21,060 Building $128,549
2025	$626.00 Homeowner's exemption	$77,894	$152,412 Land $21,060 Building $131,352
2023	$582.00 (+0.87%) Homeowner's exemption	$73,494 (+3%)	$167,471 (+3.62%) Land $20,358 Building $147,113
2022	$577.00 Homeowner's exemption	$71,353	$161,621 Land $16,848 Building $144,773

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

Flood

FEMA maps place 1214 Spinnaker Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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 14 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	1 (2024)
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

Wildfire risk around 1214 Spinnaker Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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