1244 Spinnaker Dr, Lakeland, FL 33805 Property Records

Polk County property record for 1244 Spinnaker Dr, Lakeland, FL 33805

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,303 sqft · built 1981
Lot Size	0.196 acres (8,555 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Sep 2025)
Tax Bill	$3,310 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage May 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`24-28-08-175410-000120`

Property Details

APN / Parcel Number

Primary APN	`24-28-08-175410-000120`
Alternative APNs	`082824175410000120` `82824000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,303 sqft Living Area
Gross Area	1,763 sqft
1st Floor Area	1,303 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	8,555 sqft (0.196 acres)
Lot Dimensions	140 ft deep x 60 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	460 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1244 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 12
Legal Range	24E
Legal Township	28S
Legal Section	08
Legal Subdivision	SPINNAKER SOUND
Legal Tract	175410
Legal Block	3
Legal Lot Number	12
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	3
Census Block	3001
Census Tract	10300

Owner

1244 Spinnaker Dr is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1244 SPINNAKER DR, LAKELAND, FL 33805-4703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 23, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 9, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2025 · Amount on File
Deed Sale	Sep 23, 2025 · Amount on File
Prior Sale	May 9, 2023 · Amount on File
Deed Document Number	2025223044
Deed Book / Page	13708 / 1568
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 23, 2025
Property Address	1244 SPINNAKER DR, LAKELAND, FL 33805-4703
Document Number	0000223044
Book / Page	13708 / 1568
Map Reference	MB 71 PG 27
Instrument Date	Sep 15, 2025
Instrument	2025223044
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL OF FL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8218 EAGLE CLAW ST, SAN ANTONIO, TX 78242-2701

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1244 SPINNAKER DR, LAKELAND, FL 33805-4703

Mortgage

Document Number	0137081570
Date	Sep 23, 2025
Instrument	13708/1570

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 9, 2023
Property Address	1244 SPINNAKER DR, LAKELAND, FL 33805-4703
Document Number	0000107722
Book / Page	12683 / 1562
Map Reference	MB 71 PG 27
Instrument Date	May 3, 2023
Instrument	2023107722
Transaction Type	Transfer
Record Updated	May 22, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	802 CEDAR KNOLL DR S, LAKELAND, FL 33809-2317

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5855 SOVEREIGN DR STE B1, B1, HOUSTON, TX 77036-2337

Tax Assessment & Valuation

The 2025 property tax bill for 1244 Spinnaker Dr was $3,310, down 4.5% 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		$185,385 (+1.03%) Land $25,668 Building $159,717	$185,385 (+1.03%) Land $25,668 Building $159,717
2025	$3,310.00 (-4.53%)	$183,502 (-4.46%) Land $25,668 Building $157,834	$183,502 (-4.46%) Land $25,668 Building $157,834
2024	$3,467.00 (+47.41%)	$192,062 (-3.53%) Land $25,668 Building $166,394	$192,062 (-3.53%) Land $25,668 Building $166,394
2023	$2,352.00 (+6.38%)	$199,086 (+4.76%) Land $24,812 Building $174,274	$199,086 (+4.76%) Land $24,812 Building $174,274
2022	$2,211.00	$190,048 Land $20,534 Building $169,514	$190,048 Land $20,534 Building $169,514

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

Flood

FEMA maps place 1244 Spinnaker Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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 1244 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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