1235 Edgewater Dr, Lakeland, FL 33805 Property Records

Polk County property record for 1235 Edgewater Dr, Lakeland, FL 33805

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,175 sqft · built 1963
Lot Size	0.288 acres (12,532 sqft)
Owner	2 Individual Names on Record
Last Sale	$108,000 (Dec 2003)
Deeds & Mortgages	Jul 2022 Line of Credit Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-08-175200-004030`

Property Details

APN / Parcel Number

Primary APN	`24-28-08-175200-004030`
Alternative APNs	`082824175200004030` `82824000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,175 sqft Living Area
Gross Area	1,615 sqft
1st Floor Area	1,175 sqft
Flooring	Tile
Interior Walls	Wood

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	12,532 sqft (0.288 acres)
Lot Dimensions	130 ft deep x 95 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft

Exterior Amenities

Pool House	Pool House
Porch	Enclosed/Unfinished Porch
Porch Area	317 sqft
Utility Building	85 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1235 EDGEWATER DR
City	LAKELAND
State	FL
Zip	33805-4700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Description	EDGEWATER BEACH RESUB PB 41 PG 14 BLK 4 BEG SW COR RUN ESTLY 186.75 FT THENCE E 76.24 FT NTHLY 132.64 FT ESTLY 95.15 FT SELY 128.59 FT WSTLY 96 FT TO POB
Legal Range	24E
Legal Township	28S
Legal Section	08
Legal Subdivision	EDGEWATER BEACH RESUBDIVISION
Legal Tract	175200
Legal Block	4
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	3
Census Block	3001
Census Tract	10300

Owner

Source: Polk County records, as of September 28, 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	1235 EDGEWATER DR, LAKELAND, FL 33805-4700
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Deed of Trust, Mortgage · Line of Credit USF FCU
Apr 21, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 7, 2018	Deed of Trust, Mortgage · VA Mortgage RP FNDG
Jan 11, 2018	Deed of Trust, Mortgage · VA Mortgage RP FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2003 · Amount on Record
Deed Sale	Dec 10, 2003 · Amount on Record
Prior Sale	Sep 22, 1998 · Amount on Record
Deed Document Number	2003247713
Deed Book / Page	5608 / 2217
Transfer Doc	3815000327
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1235 EDGEWATER DR, LAKELAND, FL 33805-4700
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1235 EDGEWATER DR, LAKELAND, FL 33805-4700

Mortgage

Document Number	0000207578
Date	Jul 29, 2022
Book Page	12360/198
Instrument	2022207578

Lender

Name	USF FCU
Type	Credit Union
Address	TAMPA, FL 33646

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 18, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1235 EDGEWATER DR, LAKELAND, FL 33805-4700
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1235 EDGEWATER DR, LAKELAND, FL 33805-4700

Mortgage

Document Number	0000108377
Date	Apr 21, 2022
Book Page	12219/613
Instrument	2022108377

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1235 EDGEWATER DR, LAKELAND, FL 33805-4700
Document Number	0105620476
Instrument Date	Jun 7, 2018
Transaction Type	Mortgage
Record Updated	Aug 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1235 EDGEWATER DR LAKELAND FL 338054700, LAKELAND, FL 33805-4700

Mortgage

Document Number	0105620476
Date	Jul 27, 2018
Book Page	010562/000476
Instrument	160021

Lender

Name	RP FNDG
Type	Funding / Finance Company
Address	MAITLAND, FL 32751

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2048

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1235 EDGEWATER DR, LAKELAND, FL 33805-4700
Document Number	0103932039
Book / Page	010393 / 002039
Instrument Date	Jan 11, 2018
Transaction Type	Mortgage
Record Updated	Feb 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1235 EDGEWATER DR LAKELAND FL 338054700, LAKELAND, FL 33805-4700

Mortgage

Document Number	0103932039
Date	Feb 12, 2018
Book Page	010393/002039
Instrument	31703

Lender

Name	RP FNDG
Type	Funding / Finance Company
Address	MAITLAND, FL 32751

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 11, 2048

Tax Assessment & Valuation

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		$78,410 (+2.7%)	$208,886 (-0.15%) Land $36,720 Building $172,166
2025	Homeowner's exemption	$76,349 (+5.99%)	$209,199 (-6.79%) Land $36,720 Building $172,479
2023	Homeowner's exemption	$72,036	$224,431 Land $35,493 Building $188,938

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

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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