1256 Spinnaker Dr, Lakeland, FL 33805 Property Records

Polk County property record for 1256 Spinnaker Dr, Lakeland, FL 33805

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,208 sqft · built 1983
Lot Size	0.183 acres (7,976 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Jun 2019)
Tax Bill	$1,491 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-08-175410-000140`

Property Details

APN / Parcel Number

Primary APN	`24-28-08-175410-000140`
Alternative APNs	`082824175410000140` `82824000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,208 sqft Living Area
Gross Area	1,472 sqft
1st Floor Area	1,208 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	7,976 sqft (0.183 acres)
Lot Dimensions	130 ft deep x 60 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	264 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	52 sqft
Patio Area	66 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1256 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 14
Legal Range	24E
Legal Township	28S
Legal Section	08
Legal Subdivision	SPINNAKER SOUND
Legal Tract	175410
Legal Block	3
Legal Lot Number	14
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	Individual Name on Record
Mailing Address	645 S 13TH ST, 1, NEWARK, NJ 07103-1401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2024	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK
Jun 20, 2019	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2019 · Amount on Record
Deed Sale	Jun 20, 2019 · Amount on Record
Prior Sale	Jan 21, 2005 · Amount on Record
Deed Document Number	2019128688
Deed Book / Page	10881 / 1424
Prior Transfer Date	Nov 15, 2004
Prior Transfer Doc	0059860430
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1256 SPINNAKER DR, LAKELAND, FL 33805-4703
Transaction Type	Mortgage
Record Updated	Feb 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033735
Date	Feb 12, 2024
Book Page	13004/1975
Instrument	2024033735

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 25, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1256 SPINNAKER DR, LAKELAND, FL 33805-4703
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1256 SPLNNAKER DR, LAKELAND, FL 33805-4703

Mortgage

Document Number	0000109210
Date	Apr 28, 2021
Book Page	11690/810
Instrument	2021109210

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 20, 2019
Property Address	1256 SPINNAKER DR, LAKELAND, FL 33805-4703
Document Number	0108811424
Book / Page	010881 / 001424
Instrument Date	Jun 18, 2019
Instrument	128688
Transaction Type	Transfer
Record Updated	Jul 1, 2019
Title Company	DREAM HOME TITLE CORPORATION, DREAM HM TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1256 SPINNAKER DR LAKELAND FL 338054703, LAKELAND, FL 33805-4703

Mortgage

Document Number	108811426
Date	Jun 20, 2019
Book Page	010881/001426
Instrument	128689

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2049

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		$129,235 (+2.7%)	$166,047 (+0.33%) Land $23,925 Building $142,122
2025	$1,491.00 (+3.76%) Homeowner's exemption	$125,837 (+5.99%)	$165,494 (-8.77%) Land $23,925 Building $141,569
2024	$1,437.00 (+3.53%)
2023	$1,388.00 (+3.89%) Homeowner's exemption	$118,729 (+3%)	$181,407 (+3.64%) Land $23,127 Building $158,280
2022	$1,336.00 Homeowner's exemption	$115,271	$175,041 Land $19,140 Building $155,901

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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