1226 Spinnaker Dr, Lakeland, FL 33805 Property Records

Polk County property record for 1226 Spinnaker Dr, Lakeland, FL 33805

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 1983
Lot Size	0.192 acres (8,355 sqft)
Owner	2 Individual Names on File
Last Sale	$166,900 (Apr 2019)
Tax Bill	$1,621 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-08-175410-000090`

Property Details

APN / Parcel Number

Primary APN	`24-28-08-175410-000090`
Alternative APNs	`082824175410000090` `82824000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,320 sqft Living Area
Gross Area	1,584 sqft
1st Floor Area	1,320 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	8,355 sqft (0.192 acres)
Lot Dimensions	136 ft deep x 60 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	264 sqft
Porch	Unfinished Open Porch
Porch Area	16 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1226 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 9
Legal Range	24E
Legal Township	28S
Legal Section	08
Legal Subdivision	SPINNAKER SOUND
Legal Tract	175410
Legal Block	3
Legal Lot Number	9
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	3
Census Block	3001
Census Tract	10300

Owner

1226 Spinnaker Dr is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1226 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
Jul 8, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Apr 23, 2019	Warranty Deed, Transfer · FHA Mortgage LAND HM FIN'L SVCS INC
Jun 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2019 · Amount on File
Deed Sale	Apr 23, 2019 · Amount on File
Deed Document Number	201981823
Deed Book / Page	10817 / 1282
Prior Transfer Date	Sep 2, 2016
Prior Transfer Doc	0000166651
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1226 SPINNAKER DR, LAKELAND, FL 33805-4703
Transaction Type	Mortgage
Record Updated	Jul 28, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1226 SPINNAKER DR, LAKELAND, FL 33805-4703

Mortgage

Document Number	0000176817
Date	Jul 8, 2021
Book Page	11793/1019
Instrument	2021176817

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 23, 2019
Property Address	1226 SPINNAKER DR, LAKELAND, FL 33805-4703
Document Number	0108171282
Book / Page	010817 / 001282
Instrument Date	Apr 17, 2019
Instrument	81823
Transaction Type	Transfer
Record Updated	May 7, 2019
Title Company	INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,168.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1226 SPINNAKER DR LAKELAND FL 338054703, LAKELAND, FL 33805-4703

Mortgage

Document Number	108171283
Date	Apr 23, 2019
Book Page	010817/001283
Instrument	81824

Lender

Name	LAND HM FIN'L SVCS INC
Address	CONCORD, CA 94520

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 22, 2049

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1226 SPINNAKER DR, LAKELAND, FL 33805-4703
Document Number	0102070827
Book / Page	010207 / 000827
Instrument Date	Jun 22, 2017
Transaction Type	Mortgage
Record Updated	Jul 27, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1226 SPINNAKER DR LAKELAND FL 338054703, LAKELAND, FL 33805-4703

Mortgage

Document Number	0102070827
Date	Jul 19, 2017
Book Page	010207/000827
Instrument	136471

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	LAKELAND, FL 33801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1226 Spinnaker Dr was $1,621 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		$136,680 (+2.7%)	$178,157 (+1.63%) Land $25,062 Building $153,095
2025	$1,621.00 Homeowner's exemption	$133,087	$175,308 Land $25,062 Building $150,246
2023	$1,512.00 (+3.7%) Homeowner's exemption	$125,569 (+3%)	$192,412 (+3.24%) Land $24,227 Building $168,185
2022	$1,458.00 Homeowner's exemption	$121,912	$186,373 Land $20,050 Building $166,323

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

Flood

FEMA maps place 1226 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 1226 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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