13976 O'Conner Rd, Kathleen, FL 33849 Property Records

Polk County property record for 13976 O'Conner Rd, Kathleen, FL 33849

Property Summary

Property Type	Vacant Land
Details	1,560 sqft · built 2021
Lot Size	4 acres (174,392 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (May 2023)
Tax Bill	$450 (2025)
Deeds & Mortgages	Jan 2024 Transfer May 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`22-26-03-000000-012060`

Property Details

APN / Parcel Number

Primary APN	`22-26-03-000000-012060`
Alternative APNs	`032622000000012060` `32622000`

Interior

Building Area	1,560 sqft Living Area
1st Floor Area	1,560 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Mobile Home
Lot Area	174,392 sqft
View / Lot	Commercial/Industrial

Location & Zoning

Street Address	13976 OCONNER RD
City	KATHLEEN
State	FL
Zip	33849-9615
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	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 712.60 FT FOR POB CONT S 150.33 FT RUN W 1449.67 FT
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

13976 O'Conner Rd, vacant land, is owned by two individuals who acquired it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	13980 OCONNER RD, KATHLEEN, FL 33849-9615
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 30, 2024	Intrafamily Transfer, Transfer
May 12, 2023	Warranty Deed, Transfer · FHA Mortgage AMERICAN LIBERTY MORTGAGE INC
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	May 12, 2023 · Amount on File
Deed Sale	May 12, 2023 · Amount on File
Prior Sale	Apr 18, 2019 · Amount on File
Deed Document Number	2023111022
Deed Book / Page	12688 / 1434
Last Transfer Date	Mar 27, 2024
Transfer Doc	0000071641
Record Updated	Oct 29, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Jan 30, 2024
Property Address	13980 OCONNER RD, KATHLEEN, FL 33849-9615
Document Number	0000022682
Book / Page	12989 / 1009
Instrument Date	Jan 29, 2024
Instrument	2024022682
Transaction Type	Transfer
Record Updated	Feb 12, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13970 OCONNER RD, KATHLEEN, FL 33849-9615

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13980 OCONNER RD, KATHLEEN, FL 33849-9615

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 12, 2023
Property Address	13980 OCONNER RD, KATHLEEN, FL 33849-9615
Document Number	0000111022
Book / Page	12688 / 1434
Instrument Date	May 3, 2023
Instrument	2023111022
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	NOT AVAILABLE, TITLETEAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13970 OCONNER RD, KATHLEEN, FL 33849-9615

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13980 OCONNER RD, KATHLEEN, FL 33849-9615

Mortgage

Document Number	0126881436
Date	May 12, 2023
Instrument	12688/1436

Lender

Name	AMERICAN LIBERTY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

September 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	POLK FL
Recording Date	Sep 9, 2021
Property Address	13980 OCONNER RD, KATHLEEN, FL 33849-9615
Document Number	0000235673
Book / Page	11885 / 539
Instrument Date	Dec 28, 2020
Instrument	2021235673
Record Updated	Feb 23, 2023
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, 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	13980 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	13980 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 13976 O'Conner Rd was $450.

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		$34,830 (-) Land $34,830	$34,830 (-) Land $34,830
2025	$450.00	$34,830 Land $34,830	$34,830 Land $34,830
2023	$3,894.00 (+8.38%)	$260,825 (+9.93%) Land $42,071 Building $218,754	$260,825 (+9.93%) Land $42,071 Building $218,754
2022	$3,593.00	$237,274 Land $35,060 Building $202,214	$237,274 Land $35,060 Building $202,214

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 13976 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 13976 O'Conner Rd is high, ranking above 78% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 78% of the US · above 67% of Florida
Wildfire Likelihood	0.7% 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

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