Polk County property record for 1404 E Elm Rd, Lakeland, FL 33801
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,186 sqft · built 1959 |
| Lot Size | 0.153 acres (6,656 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $279,900 (Feb 2024) |
| Tax Bill | $2,568 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Aug 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-28-17-193000-007251 |
| Primary APN | 24-28-17-193000-007251 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,186 sqft Living Area |
| 1st Floor Area | 1,186 sqft |
| Flooring | Terrazzo |
| Interior Walls | Wood |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 2015 |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 6,656 sqft (0.153 acres) |
| Lot Dimensions | 100 ft deep x 67 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 198 sqft |
| Carport | Carport |
| Carport Area | 198 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 96 sqft |
| Utility Building | 88 sqft |
| Cooling System | None |
|---|
| Street Address | 1404 E ELM RD |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33801-2318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA3 |
| Legal Description | SHORE ACRES PB 7 PG 15 BLK 7 LOTS 25 LESS N 67.5 FT & 26 LESS N 67.5 FT |
| Legal Range | 24E |
| Legal Township | 28S |
| Legal Section | 17 |
| Legal Subdivision | SHORE ACRES |
| Legal Tract | 193000 |
| Legal Block | 7 |
| Legal Lot Number | 25 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 10300 |
1404 E Elm Rd is owned and occupied by two individuals who bought it in February 2024.
Source: Polk County records, as of October 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1404 E ELM RD, LAKELAND, FL 33801-2318 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 2, 2024 | Warranty Deed, Transfer · FHA Mortgage GARDNER FINANCIAL SERVICES LTD |
| Aug 9, 2023 | Warranty Deed, Transfer UNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND |
| Jul 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 2, 2024 · Amount on File |
| Deed Sale | Feb 2, 2024 · Amount on File |
| Prior Sale | Aug 9, 2023 · Amount on File |
| Deed Document Number | 202426421 |
| Deed Book / Page | 12994 / 2061 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 2, 2024 |
| Property Address | 1404 E ELM RD, LAKELAND, FL 33801-2318 |
| Document Number | 0000026421 |
| Book / Page | 12994 / 2061 |
| Map Reference | MB 7 PG 15 |
| Instrument Date | Jan 31, 2024 |
| Instrument | 2024026421 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2024 |
| Title Company | UNITED TTL GROUP OF LAKELAND |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,959.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1867 SHERWOOD LAKES BLVD, LAKELAND, FL 33809-6817 |
| Name | Verified Name |
|---|---|
| Address | 1404 E ELM RD, LAKELAND, FL 33801-2318 |
| Document Number | 0129942063 |
|---|---|
| Date | Feb 2, 2024 |
| Instrument | 12994/2063 |
| Name | GARDNER FINANCIAL SERVICES LTD |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2054 |
| Document Number | 0000026423 |
|---|---|
| Date | Feb 2, 2024 |
| Book Page | 12994/2078 |
| Instrument | 2024026423 |
| Name | FLORIDA HOUSING FINANCE CORP |
|---|---|
| Type | Government Agency |
| Address | TALLAHASSEE, FL 32301 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 9, 2023 |
| Property Address | 1404 E ELM RD, LAKELAND, FL 33801-2318 |
| Document Number | 0000186402 |
| Book / Page | 12795 / 518 |
| Map Reference | MB 7 PG 15 |
| Instrument Date | Aug 1, 2023 |
| Instrument | 2023186402 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2023 |
| Title Company | UNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND |
| Amount | Amount on Record |
|---|---|
| Tax | $878.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16473 SW 59TH TER, MIAMI, FL 33193-5685 |
| Name | Verified Name |
|---|---|
| Address | 1867 SHERWOOD LAKES BLVD, LAKELAND, FL 33809-6817 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1404 E ELM RD, LAKELAND, FL 33801-2318 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1404 E ELM RD, LAKELAND, FL 33801-2318 |
| Document Number | 0000178419 |
|---|---|
| Date | Jul 12, 2021 |
| Book Page | 11795/2182 |
| Instrument | 2021178419 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 291 Months |
| Due | Oct 1, 2045 |
The 2025 property tax bill for 1404 E Elm Rd was $2,568 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 | $186,634 (+0.59%) Land $27,618 Building $159,016 | $186,634 (+0.59%) Land $27,618 Building $159,016 | |
| 2025 | $2,568.00 Homeowner's exemption | $185,546 Land $15,972 Building $169,574 | $185,546 Land $15,972 Building $169,574 |
| 2023 | $555.00 (+0.91%) Homeowner's exemption | $68,464 (+3%) | $166,774 (+0.97%) Land $15,306 Building $151,468 |
| 2022 | $550.00 Homeowner's exemption | $66,470 | $165,165 Land $12,977 Building $152,188 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 1404 E Elm Rd in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 6 in force |
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 1404 E Elm Rd 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 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 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.
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 280 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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