1232 Spinnaker Dr, Lakeland, FL 33805 Property Records

Polk County property record for 1232 Spinnaker Dr, Lakeland, FL 33805

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,783 sqft · built 1981
Lot Size	0.196 acres (8,525 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (May 2021)
Tax Bill	$3,781 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-08-175410-000100`

Property Details

APN / Parcel Number

Primary APN	`24-28-08-175410-000100`
Alternative APNs	`082824175410000100` `82824000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,783 sqft Living Area
Gross Area	2,243 sqft
1st Floor Area	1,335 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	8,525 sqft (0.196 acres)
Lot Dimensions	140 ft deep x 60 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	460 sqft

Exterior Amenities

Pool House	Pool House
Porch	Florida Room
Porch Area	601 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1232 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 10
Legal Range	24E
Legal Township	28S
Legal Section	08
Legal Subdivision	SPINNAKER SOUND
Legal Tract	175410
Legal Block	3
Legal Lot Number	10
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	3
Census Block	3001
Census Tract	10300

Owner

1232 Spinnaker Dr is owned and occupied by two individuals who bought it in May 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1232 SPINNAKER DR, LAKELAND, FL 33805-4703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Nov 30, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 17, 2021	Warranty Deed, Transfer · FHA Mortgage CHANGE LENDING LLC
May 25, 2017	Deed of Trust, Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2021 · Amount on File
Deed Sale	May 17, 2021 · Amount on File
Prior Sale	Sep 17, 2014 · Amount on File
Deed Document Number	2021127309
Deed Book / Page	11717 / 1633
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Apr 20, 2026
Property Address	1232 SPINNAKER DR, LAKELAND, FL 33805-4703
Document Number	0000092404
Book / Page	13963 / 859
Instrument Date	Apr 6, 2026
Instrument	202692404
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1232 SPINNAKER DR, LAKELAND, FL 33805-4703
Investor	Possibly a Property Investor

Mortgage

Document Number	0000092404,
Date	Apr 20, 2026
Book Page	13963/859
Instrument	202692404

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	302 Months
Due	Jun 1, 2051

Interest

Rate	6%
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1232 SPINNAKER DR, LAKELAND, FL 33805-4703
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1232 SPINNAKER DR, LAKELAND, FL 33805-4703

Mortgage

Document Number	0000279539
Date	Nov 30, 2023
Book Page	12923/1213
Instrument	2023279539

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	331 Months
Due	Jun 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 17, 2021
Property Address	1232 SPINNAKER DR, LAKELAND, FL 33805-4703
Document Number	0000127309
Book / Page	11717 / 1633
Map Reference	MB 71 PG 27
Instrument Date	May 6, 2021
Instrument	2021127309
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2219 NEW JERSEY RD, 2219, LAKELAND, FL 33803-3329

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1232 SPINNAKER DR, LAKELAND, FL 33805-4703

Mortgage

Document Number	0117171635
Date	May 17, 2021
Instrument	11717/1635

Lender

Name	CHANGE LENDING LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1232 SPINNAKER DR, LAKELAND, FL 33805-4703
Document Number	0101620431
Book / Page	010162 / 000431
Instrument Date	May 25, 2017
Transaction Type	Mortgage
Record Updated	Jun 21, 2017
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1232 SPINNAKER DR LAKELAND FL 338054703, LAKELAND, FL 33805-4703

Mortgage

Document Number	0101620431
Date	Jun 1, 2017
Book Page	010162/000431
Instrument	103777

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 31, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1232 Spinnaker Dr was $3,781 with a homeowner's exemption, down 5.9% from the year before.

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		$238,645 (-5.61%) Land $25,569 Building $213,076	$238,645 (-5.61%) Land $25,569 Building $213,076
2025	$3,781.00 (-5.92%) Homeowner's exemption	$252,818 Land $25,569 Building $227,249	$252,818 Land $25,569 Building $227,249
2024	$4,019.00 (-6.32%)
2023	$4,290.00 (-7.64%) Homeowner's exemption	$277,942 (+9.91%) Land $24,717 Building $253,225	$277,942 (+9.91%) Land $24,717 Building $253,225
2022	$4,645.00	$252,879 Land $20,455 Building $232,424	$252,879 Land $20,455 Building $232,424

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

Flood

FEMA maps place 1232 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 1232 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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