1328 E Lemon St, Lakeland, FL 33801 Property Records

Polk County property record for 1328 E Lemon St, Lakeland, FL 33801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 790 sqft · built 1952
Lot Size	0.171 acres (7,457 sqft)
Owner	2 Individual Names on File
Last Sale	$90,000 (Apr 2019)
Tax Bill	$1,577 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-28-17-000000-044240`

Property Details

APN / Parcel Number

Primary APN	`24-28-17-000000-044240`
Alternative APNs	`172824000000044240` `72824000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	790 sqft Living Area
Gross Area	660 sqft
1st Floor Area	660 sqft
Flooring	Tile
Interior Walls	Wood

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Other
Lot Area	7,457 sqft (0.171 acres)
Lot Dimensions	125 ft deep x 60 ft wide
View / Lot	Commercial/Industrial

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	414 sqft
Patio Area	105 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	1328 E LEMON ST
City	LAKELAND
State	FL
Zip	33801-5750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MF22
Legal Description	BEG 270 FT E & 250 FT N OF SW COR OF NE1/4 OF SW1/4 OF SW1/4 RUN E 60 FT N 124PT7 FT W 60 FT S TO BEG
Legal Range	24E
Legal Township	28S
Legal Section	17
Legal Subdivision	KENS TRAILER PARK
Legal Tract	000000
Legal Block	2
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2006
Census Tract	10300

Owner

1328 E Lemon St is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1328 E LEMON ST, LAKELAND, FL 33801-5750
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU
Apr 24, 2019	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FIN'L SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2019 · Amount on File
Deed Sale	Apr 24, 2019 · Amount on File
Prior Sale	Aug 30, 2016 · Amount on File
Deed Document Number	201982821
Deed Book / Page	10819 / 3
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1328 E LEMON ST, LAKELAND, FL 33801-5750
Transaction Type	Mortgage
Record Updated	Feb 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1328 E LEMON ST, LAKELAND, FL 33801-5750

Mortgage

Document Number	0000009890
Date	Jan 12, 2022
Book Page	12069/932
Instrument	2022009890

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 24, 2019
Property Address	1328 E LEMON ST, LAKELAND, FL 33801-5750
Document Number	0108190003
Book / Page	010819 / 000003
Instrument Date	Apr 19, 2019
Instrument	82821
Transaction Type	Transfer
Record Updated	May 13, 2019
Title Company	HOME SOLUTION TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3830 SLEEPY HILL OAKS LOOP LAKELAND FL 338103558, LAKELAND, FL 33810-3558

Mortgage

Document Number	108190005
Date	Apr 24, 2019
Book Page	010819/000005
Instrument	82822

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1328 E Lemon St was $1,577 with a homeowner's exemption.

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		$114,178 (+34.27%) Land $30,956 Building $83,222	$114,178 (+22.5%) Land $30,956 Building $83,222
2025	$1,577.00	$85,039	$93,207 Land $11,700 Building $81,507
2023	$1,386.00 (+10.53%)	$89,760 (+14.27%) Land $11,400 Building $78,360	$89,760 (+14.27%) Land $11,400 Building $78,360
2022	$1,254.00	$78,552 Land $9,600 Building $68,952	$78,552 Land $9,600 Building $68,952

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

Flood

FEMA maps place 1328 E Lemon St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1995.

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 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	13 (1995–2024)
Claims Outside the SFHA	8 of 13
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 5 claims Hurricane Frances, Sep 2004 · 5 claims Severe Storms, High Winds, Tornadoes, And Flooding, Dec 1997 · 2 claims

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 1328 E Lemon St 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 99.1% of the US · lower than 98.7% 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 248 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, Tillman Fiber.

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