Polk County property record for 1412 E Main St, Lakeland, FL 33801
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,617 sqft · built 1945 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Jul 2023) |
| Tax Bill | $3,242 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Nov 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-28-17-193000-003121 |
| Primary APN | 24-28-17-193000-003121 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,617 sqft Living Area |
| Gross Area | 1,533 sqft |
| 1st Floor Area | 1,393 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 90 ft deep x 106 ft wide |
| View / Lot | Commercial/Industrial |
| Porch | Florida Room |
| Porch Area | 224 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 1412 E MAIN ST |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33801-2365 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB1 |
| Legal Description | SHORE ACRES PB 7 PG 15 BLK 3 LOTS 12 W 19 FT & 13 THRU 15 & E 12.5 FT OF 16 |
| Legal Range | 24E |
| Legal Township | 28S |
| Legal Section | 17 |
| Legal Subdivision | SHORE ACRES |
| Legal Tract | 193000 |
| Legal Block | 3 |
| Legal Lot Number | 12 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 10300 |
1412 E Main St is owned and occupied by two individuals who bought it in July 2023.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1412 E MAIN ST, LAKELAND, FL 33801-2365 |
| 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 |
|---|---|
| Jul 20, 2023 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Nov 17, 2020 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Jun 25, 2020 | Loan Modification, Mortgage · Line of Credit MIDFLORIDA CU |
| Jul 7, 2020 | Warranty Deed, Transfer EASY TITLE COMPANY LLC, EASY TITLE CO LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2023 · Amount on File |
| Deed Sale | Jul 20, 2023 · Amount on File |
| Prior Sale | Nov 17, 2020 · Amount on File |
| Deed Document Number | 2023168462 |
| Deed Book / Page | 12770 / 128 |
| Prior Transfer Date | Jul 11, 2023 |
| Prior Transfer Doc | 0000168462 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 20, 2023 |
| Property Address | 1412 E MAIN ST, LAKELAND, FL 33801-2365 |
| Document Number | 0000168462 |
| Book / Page | 12770 / 128 |
| Map Reference | MB 7 PG 15 |
| Instrument Date | Jul 11, 2023 |
| Instrument | 2023168462 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 815 GILMORE AVE APT 209, 209, LAKELAND, FL 33801-1801 |
| Name | Verified Name |
|---|---|
| Address | 1412 E MAIN ST, LAKELAND, FL 33801-2365 |
| Investor | Possibly a Property Investor |
| Document Number | 0012770130 |
|---|---|
| Date | Jul 20, 2023 |
| Instrument | 12770/130 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 17, 2020 |
| Property Address | 1412 E MAIN ST, LAKELAND, FL 33801-2365 |
| Document Number | 0114590217 |
| Book / Page | 011459 / 000217 |
| Instrument Date | Nov 13, 2020 |
| Instrument | 246365 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2020 |
| Title Company | INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1412 E MAIN ST LAKELAND FL 338012365, LAKELAND, FL 33801-2365 |
| Document Number | 114590218 |
|---|---|
| Date | Nov 17, 2020 |
| Book Page | 011459/000218 |
| Instrument | 246366 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 16, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1412 E MAIN ST, LAKELAND, FL 33801-2365 |
| Document Number | 0112951299 |
| Instrument Date | Jun 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2020 |
| Title Company | INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1925 E EDGEWOOD DR #105 LAKELAND FL 338033480, 105, LAKELAND, FL 33803-3480 |
| Investor | Possibly a Property Investor |
| Document Number | 0112951299 |
|---|---|
| Date | Jul 10, 2020 |
| Book Page | 011295/001299 |
| Instrument | 138829 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | 129 S KENTUCKY AVE # 500, LAKELAND, FL 33801-5058 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 7, 2020 |
| Property Address | 1412 E MAIN ST, LAKELAND, FL 33801-2365 |
| Document Number | 0112900004 |
| Book / Page | 011290 / 000004 |
| Instrument Date | Jun 25, 2020 |
| Instrument | 135270 |
| Transaction Type | Transfer |
| Record Updated | Jul 31, 2020 |
| Title Company | EASY TITLE COMPANY LLC, EASY TITLE CO LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $609.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1925 E EDGEWOOD DR #105 LAKELAND FL 338033480, 105, LAKELAND, FL 33803-3480 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 1412 E Main St was $3,242 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 | $230,789 (+1.25%) Land $39,778 Building $191,011 | $230,789 (+1.25%) Land $39,778 Building $191,011 | |
| 2025 | $3,242.00 | $227,944 Land $22,846 Building $205,098 | $227,944 Land $22,846 Building $205,098 |
| 2023 | $3,650.00 (+6.69%) | $225,779 (+3.21%) Land $21,887 Building $203,892 | $225,779 (+3.21%) Land $21,887 Building $203,892 |
| 2022 | $3,421.00 | $218,754 Land $18,564 Building $200,190 | $218,754 Land $18,564 Building $200,190 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1412 E Main St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1995.
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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 13 (1995–2024) |
| Claims Outside the SFHA | 8 of 13 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 1412 E Main St 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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