Polk County property record for 1411 Merganser Loop, Lakeland, FL 33813
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,443 sqft · built 2017 |
| Lot Size | 0.234 acres (10,176 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $316,452 (Jan 2018) |
| Tax Bill | $3,190 (2025) |
| Deeds & Mortgages | Aug 2021 Line of Credit Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-29-20-286559-000270 |
| Primary APN | 24-29-20-286559-000270 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,443 sqft Living Area |
| Gross Area | 2,843 sqft |
| 1st Floor Area | 2,443 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,176 sqft (0.234 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 244 sqft |
| Street Address | 1411 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 PB 160 PGS 23 & 24 LOT 27 |
| Legal Range | 24E |
| Legal Township | 29S |
| Legal Section | 20 |
| Legal Subdivision | HALLAM PRESERVE WEST A PHASE TWO |
| Legal Phase | 2 |
| Legal Tract | 286559 |
| Legal Block | 4 |
| Legal Lot Number | 27 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 14804 |
Source: Polk County records, as of September 28, 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 Record |
|---|---|
| Mailing Address | 1411 MERGANSER LOOP, LAKELAND, FL 33813-2700 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 3, 2021 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Sep 4, 2020 | Deed of Trust, Mortgage · Conventional with PMI WELLS FARGO BK |
| Jan 9, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional with PMI FBC MTG |
| Aug 3, 2017 | Warranty Deed, Transfer INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 9, 2018 · Amount on Record |
| Deed Sale | Jan 9, 2018 · Amount on Record |
| Prior Sale | Aug 3, 2017 · Amount on Record |
| Deed Document Number | 20185995 |
| Deed Book / Page | 10363 / 1010 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1411 MERGANSER LOOP, LAKELAND, FL 33813-2700 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000200883 |
|---|---|
| Date | Aug 3, 2021 |
| Book Page | 11830/1648 |
| Instrument | 2021200883 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 10, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1411 MERGANSER LOOP, LAKELAND, FL 33813-2700 |
| Document Number | 0113951214 |
| Instrument Date | Sep 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1411 MERGANSER LOOP LAKELAND FL 338132700, LAKELAND, FL 33813-2700 |
| Document Number | 0113951214 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 011395/001214 |
| Instrument | 205182 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 29, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 9, 2018 |
| Property Address | 1411 MERGANSER LOOP, LAKELAND, FL 33813-2700 |
| Document Number | 0103631010 |
| Book / Page | 010363 / 001010 |
| Instrument Date | Jan 5, 2018 |
| Instrument | 5995 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 24, 2018 |
| Title Company | INSURED R/E TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,215.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1411 MERGANSER LOOP LAKELAND FL 338132700, LAKELAND, FL 33813-2700 |
| Document Number | 103631011 |
|---|---|
| Date | Jan 9, 2018 |
| Book Page | 010363/001011 |
| Instrument | 5996 |
| Name | FBC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 8, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 3, 2017 |
| Property Address | 1411 MERGANSER LOOP, LAKELAND, FL 33813-2700 |
| Document Number | 0102222246 |
| Book / Page | 010222 / 002246 |
| Instrument Date | Aug 1, 2017 |
| Instrument | 147966 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2017 |
| Title Company | INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $483.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1925 E EDGEWOOD DR #100 LAKELAND FL 338033480, 100, LAKELAND, FL 33803-3480 |
| Investor | Possibly a Property Investor |
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 | $294,718 (+2.7%) | $419,494 (+0.56%) Land $76,000 Building $343,494 | |
| 2025 | $3,190.00 (-12.05%) Homeowner's exemption | $286,970 (+5.99%) | $417,148 (+1.07%) Land $76,000 Building $341,148 |
| 2023 | $3,627.00 (+14.81%) Homeowner's exemption | $270,759 (+14.62%) | $412,721 (+10.8%) Land $70,000 Building $342,721 |
| 2022 | $3,159.00 Homeowner's exemption | $236,232 | $372,480 Land $68,000 Building $304,480 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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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