1263 Spinnaker Dr, Lakeland, FL 33805 Property Records

Polk County property record for 1263 Spinnaker Dr, Lakeland, FL 33805

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,260 sqft · built 1983
Lot Size	0.178 acres (7,741 sqft)
Owner	2 Individual Names on Record
Last Sale	$55,300 (Oct 1996)
Tax Bill	$536 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`24-28-08-175410-000172`

Property Details

APN / Parcel Number

Primary APN	`24-28-08-175410-000172`
Alternative APNs	`082824175410000172` `82824000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	1,258 sqft
1st Floor Area	994 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	7,741 sqft (0.178 acres)
Lot Dimensions	131 ft deep x 61 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	264 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	56 sqft
Patio Area	60 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1263 SPINNAKER DR
City	LAKELAND
State	FL
Zip	33805-4753
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Description	SPINNAKER SOUND PB 71 PG 27 W 16 FT OF LOT 17 & LOT 18 E 44.01 FT
Legal Range	24E
Legal Township	28S
Legal Section	08
Legal Subdivision	SPINNAKER SOUND
Legal Tract	175410
Legal Block	3
Legal Lot Number	17,18
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	PO BOX 90395, LAKELAND, FL 33804-0395
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDFLORIDA CU
Jun 25, 2018	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 1996 · Amount on Record
Deed Sale	Oct 8, 1996 · Amount on Record
Prior Sale	Feb 12, 1996 · Amount on Record
Deed Book / Page	3740 / 2171
Last Transfer Date	Apr 21, 2008
Transfer Doc	0000071619
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1263 SPINNAKER DR, LAKELAND, FL 33805-4753
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 S FLORIDA AVE, LAKELAND, FL 33801-4621

Mortgage

Document Number	0000058383
Date	Mar 11, 2026
Book Page	13912/2024
Instrument	2026058383

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	48 Months
Due	Mar 15, 2030

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1263 SPINNAKER DR, LAKELAND, FL 33805-4753
Document Number	0105420114
Instrument Date	Jun 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1263 SPINNAKER DR LAKELAND FL 338054753, LAKELAND, FL 33805-4753

Mortgage

Document Number	0105420114
Date	Jul 9, 2018
Book Page	010542/000114
Instrument	145011

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 8, 2028

Interest

Rate Type	Adjustable Rate

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		$67,859 (+2.7%)	$156,857 (-1.81%) Land $23,229 Building $133,628
2025	$536.00 (+2.68%) Homeowner's exemption	$66,075 (+5.99%)	$159,755 (-8.26%) Land $23,229 Building $136,526
2023	$522.00 (+0.97%) Homeowner's exemption	$62,343 (+3%)	$174,130 (+8.5%) Land $22,455 Building $151,675
2022	$517.00 Homeowner's exemption	$60,527	$160,485 Land $18,583 Building $141,902

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.

Nearby Properties on Spinnaker Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures