Polk County property record for 128 E Palm Dr, Lakeland, FL 33803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,440 sqft · built 1923 |
| Lot Size | 0.153 acres (6,652 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $493 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-28-30-256500-001290 |
| Primary APN | 24-28-30-256500-001290 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 6,652 sqft (0.153 acres) |
| Lot Dimensions | 133 ft deep x 50 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 165 sqft |
| Carport | Carport |
| Carport Area | 165 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 200 sqft |
| Patio Area | 480 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 128 E PALM DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33803-2646 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA3 |
| Legal Description | HORNEYS J T 1ST ADD PB 6 PG 1 BLK A LOT 29 |
| Legal Range | 24E |
| Legal Township | 28S |
| Legal Section | 30 |
| Legal Subdivision | HORNEYS J T 1ST ADDITION |
| Legal Tract | 256500 |
| Legal Block | A |
| Legal Lot Number | 29 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 10502 |
128 E Palm Dr is owned and occupied by an individual.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 128 E PALM DR, LAKELAND, FL 33803-2646 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 128 E PALM DR, LAKELAND, FL 33803-2646 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000073950 |
|---|---|
| Date | Apr 2, 2024 |
| Book Page | 13060/489 |
| Instrument | 2024073950 |
| Name | GTE FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 10, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 128 E Palm Dr was $493 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Lakeland City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $59,507 (+2.7%) | $236,706 (+0.76%) Land $53,200 Building $183,506 | |
| 2025 | $493.00 Homeowner's exemption | $57,943 | $234,927 Land $52,535 Building $182,392 |
| 2023 | $481.00 (+1.05%) Homeowner's exemption | $54,670 (+3%) | $243,927 (+10.86%) Land $51,205 Building $192,722 |
| 2022 | $476.00 Homeowner's exemption | $53,078 | $220,041 Land $48,545 Building $171,496 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 128 E Palm Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.
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 12 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 3 (2004–2024) |
| Claims Outside the SFHA | 3 of 3 |
| 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 risk around 128 E Palm Dr is low, with 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 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 300 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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