13970 O'Conner Rd, Kathleen, FL 33849 Property Records

Polk County property record for 13970 O'Conner Rd, Kathleen, FL 33849

Property Summary

Property Type	Vacant Land
Lot Size	5 acres (218,166 sqft)
Owner	2 Individual Names on File
Last Sale	$114,000 (Sep 2021)
Tax Bill	$563 (2025)
Deeds & Mortgages	Sep 2021 Re-recorded Document Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-26-03-000000-012070`

Property Details

APN / Parcel Number

Primary APN	`22-26-03-000000-012070`
Alternative APNs	`032622000000012070` `32622000`

Exterior

Lot Area	218,166 sqft

Location & Zoning

Street Address	13970 OCONNER RD
City	KATHLEEN
State	FL
Zip	33849-9615
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	DEED APPEARS IN ERROR COMM NW COR OF NW1/4 OF NE1/4 OF SEC RUN E 1322.12 FT TO NE COR OF NW1/4 OF NE1/4 RUN S 656.05 FT RUN W 20 FT RUN S 180 FT RUN E 6.50 FT RUN S 722.58 FT RUN E 1215.81 FT TO W R/W LN OCONNER RD RUN S 862.93 FT FOR POB CONT S 15
Legal Range	22E
Legal Township	26S
Legal Section	03
Legal Subdivision	HOWARD RANCH ESTATES
Legal Tract	000000
Legal Block	1
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1006
Census Tract	12130

Owner

13970 O'Conner Rd, vacant land, is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	13970 OCONNER RD, KATHLEEN, FL 33849-9615
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
Sep 9, 2021	Re-recorded Document TALON TITLE SERVICES LLC
Jan 4, 2021	Grant Deed, Transfer · FHA Mortgage FIRST FED'L SVGS BK
Apr 18, 2019	Warranty Deed, Transfer · Conventional with PMI ROYAL ORANGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2021 · Amount on File
Deed Sale	Sep 9, 2021 · Amount on File
Prior Sale	Jan 4, 2021 · Amount on File
Deed Document Number	2021235673
Deed Book / Page	11885 / 539
Prior Transfer Date	Dec 28, 2020
Prior Transfer Doc	0000235673
Record Updated	Oct 29, 2026

September 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	POLK FL
Recording Date	Sep 9, 2021
Property Address	13970 OCONNER RD, KATHLEEN, FL 33849-9615
Document Number	0000235673
Book / Page	11885 / 539
Instrument Date	Dec 28, 2020
Instrument	2021235673
Record Updated	Aug 2, 2022
Title Company	TALON TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1754 W MEMORIAL BLVD, 1754, LAKELAND, FL 33815-1237

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 AUDUBOR OAK DRIVE #108 # 108, 108, LAKELAND, FL 33809

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jan 4, 2021
Property Address	13970 OCONNER RD, KATHLEEN, FL 33849-9615
Document Number	0115221395
Book / Page	011522 / 001395
Instrument Date	Dec 28, 2020
Instrument	430
Transaction Type	Transfer
Record Updated	Jan 22, 2021
Title Company	TALON TITLE SERVICES LLC, TALON TITLE SVCS LLC

Transaction

Amount	Amount on Record
Tax	$798.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	178 AUDUBON OAKS DR #108 LAKELAND FL 338095928, 108, LAKELAND, FL 33809-5928

Mortgage

Document Number	115221398
Date	Jan 4, 2021
Book Page	011522/001398
Instrument	431

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 18, 2019
Property Address	13970 OCONNER RD, KATHLEEN, FL 33849-9615
Document Number	0108141058
Book / Page	010814 / 001058
Instrument Date	Apr 10, 2019
Instrument	79293
Transaction Type	Transfer
Record Updated	May 8, 2019
Title Company	SMART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1754 W MEMORIAL BLVD LAKELAND FL 338151237, LAKELAND, FL 33815-1237

Mortgage

Document Number	108141060
Date	Apr 18, 2019
Book Page	010814/001060
Instrument	79294

Lender

Name	ROYAL ORANGE LLC
Address	3000 PLANTATION RD, WINTER HAVEN, FL 33884-1236

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	60 Months
Due	Apr 17, 2024

Interest

Rate	11.5%

Tax Assessment & Valuation

The 2025 property tax bill for 13970 O'Conner Rd was $563.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$43,573 (-) Land $43,573	$43,573 (-) Land $43,573
2025	$563.00	$43,573 Land $43,573	$43,573 Land $43,573
2023	$521.00 (+12.77%)	$42,071 (+2%) Land $42,071	$42,071 (+2%) Land $42,071
2022	$462.00	$35,059 Land $35,059	$35,059 Land $35,059

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 13970 O'Conner Rd 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 18 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	5 (2024)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 5 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 13970 O'Conner Rd is high, ranking above 80% of the US, with a 0.8% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 80% of the US · above 70% of Florida
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on O'Conner Rd

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