Polk County property record for 1403 Merganser Loop, Lakeland, FL 33813
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 4,035 sqft · built 2019 |
| Lot Size | 0.262 acres (11,395 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $67,000 (May 2018) |
| Tax Bill | $5,298 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Mar 2019 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-29-20-286561-000280 |
| Primary APN | 24-29-20-286561-000280 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 4,035 sqft Living Area |
| Gross Area | 4,695 sqft |
| 1st Floor Area | 3,049 sqft |
| Upper Floors Area | 986 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 11,395 sqft (0.262 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Pool Type | Enclosed Pool |
| Porch | Finished/Open Porch |
| Porch Area | 299 sqft |
| Street Address | 1403 MERGANSER LOOP |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33813-2700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HALLAM PRESERVE WEST A PHASE TWO - A PB 162 PGS 36-37 LOT 28 |
| Legal Range | 24E |
| Legal Township | 29S |
| Legal Section | 20 |
| Legal Subdivision | HALLAM PRESERVE WEST A PHASE TWO - A |
| Legal Phase | 2 |
| Legal Block | 4 |
| Legal Lot Number | 28 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 14804 |
1403 Merganser Loop is owned and occupied by two individuals who bought it in May 2018.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1403 MERGANSER LOOP, LAKELAND, FL 33813-2700 |
| 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.
| Date | Document |
|---|---|
| Feb 24, 2020 | Deed of Trust, Mortgage · VA Mortgage SECURE ONE CAP |
| Mar 15, 2019 | Loan Modification, Mortgage FBC MTG |
| May 31, 2018 | Warranty Deed, Construction Loan · Construction Mortgage FBC MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2018 · Amount on File |
| Deed Sale | May 31, 2018 · Amount on File |
| Deed Document Number | 2018116007 |
| Deed Book / Page | 10501 / 1285 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1403 MERGANSER LOOP, LAKELAND, FL 33813-2700 |
| Document Number | 0113200400 |
| Instrument Date | Feb 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2020 |
| Title Company | UNISOURCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1403 MERGANSER LOOP LAKELAND FL 338132700, LAKELAND, FL 33813-2700 |
| Document Number | 0113200400 |
|---|---|
| Date | Aug 3, 2020 |
| Book Page | 011320/000400 |
| Instrument | 155400 |
| Name | SECURE ONE CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | COSTA MESA, CA 92626 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 2, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1403 MERGANSER LOOP, LAKELAND, FL 33813-2700 |
| Document Number | 0107900196 |
| Instrument Date | Mar 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2019 |
| Title Company | INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1403 MERGANSER LOOP LAKELAND FL 338132700, LAKELAND, FL 33813-2700 |
| Document Number | 0107900196 |
|---|---|
| Date | Mar 27, 2019 |
| Book Page | 010790/000196 |
| Instrument | 60811 |
| Name | FBC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 26, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 31, 2018 |
| Property Address | 1403 MERGANSER LOOP, LAKELAND, FL 33813-2700 |
| Document Number | 0105011285 |
| Book / Page | 010501 / 001285 |
| Instrument Date | May 30, 2018 |
| Instrument | 116007 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 25, 2018 |
| Title Company | INSURED R/E TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Tax | $469.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6720 S FLORIDA AVE #6405 LAKELAND FL 338133349, 6405, LAKELAND, FL 33813-3349 |
| Document Number | 105011286 |
|---|---|
| Date | May 31, 2018 |
| Book Page | 010501/001286 |
| Instrument | 116008 |
| Name | FBC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 30, 2048 |
| Rate | 5.87% |
|---|
The 2025 property tax bill for 1403 Merganser Loop was $5,298 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $467,294 (+2.7%) | $599,946 (+2.36%) Land $76,000 Building $523,946 | |
| 2025 | $5,298.00 Homeowner's exemption | $455,009 | $586,120 Land $76,000 Building $510,120 |
| 2023 | $5,642.00 (+2.75%) Homeowner's exemption | $429,307 (+3%) | $582,074 (+7.47%) Land $70,000 Building $512,074 |
| 2022 | $5,491.00 Homeowner's exemption | $416,803 | $541,624 Land $68,000 Building $473,624 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1403 Merganser Loop 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 38 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 38 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| 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 1403 Merganser Loop is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | SOUTHWEST/POLK COUNTY UTILITY serves 39,209 people · EPA ID FL6530852 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 11 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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