1414 Royal Forest Loop, Lakeland, FL 33811 Property Records

Polk County property record for 1414 Royal Forest Loop, Lakeland, FL 33811

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,116 sqft · built 1998
Lot Size	0.39 acres (16,984 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Jan 2019)
Tax Bill	$3,448 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-29-23-141809-000100`

Property Details

APN / Parcel Number

Primary APN	`23-29-23-141809-000100`
Alternative APN	`32923000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,116 sqft Living Area
Gross Area	3,740 sqft
1st Floor Area	2,201 sqft
Upper Floors Area	408 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	16,984 sqft (0.39 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	624 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	392 sqft
Porch	Florida Room
Porch Area	807 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1414 ROYAL FOREST LOOP
City	LAKELAND
State	FL
Zip	33811-3128
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LONGWOOD PLACE PB 101 PGS 23 & 24 LOT 10
Legal Range	23E
Legal Township	29S
Legal Section	23
Legal Subdivision	LONGWOOD PLACE
Legal Tract	141809
Legal Block	1
Legal Lot Number	10
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1004
Census Tract	11912

Owner

1414 Royal Forest Loop is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1414 ROYAL FOREST LOOP, LAKELAND, FL 33811-3128
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage BLUE BRICK FINANCIAL LLC
Dec 19, 2019	Deed of Trust, Mortgage · Conventional with PMI CHRISTENSEN FIN'L
Jan 3, 2019	Warranty Deed, Transfer · Conventional with PMI HOMEBRIDGE FIN'L SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2019 · Amount on File
Deed Sale	Jan 3, 2019 · Amount on File
Prior Sale	Sep 9, 1997 · Amount on File
Deed Document Number	20191553
Deed Book / Page	10714 / 698
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1414 ROYAL FOREST LOOP, LAKELAND, FL 33811-3128
Transaction Type	Mortgage
Record Updated	Feb 21, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1414 ROYAL FOREST LOOP, LAKELAND, FL 33811-3128

Mortgage

Document Number	0000032766
Date	Feb 7, 2022
Book Page	12104/1889
Instrument	2022032766

Lender

Name	BLUE BRICK FINANCIAL LLC
Type	Mortgage Company
Address	MESA, AZ 85215

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1414 ROYAL FOREST LOOP, LAKELAND, FL 33811-3128
Document Number	0110890380
Instrument Date	Dec 19, 2019
Transaction Type	Mortgage
Record Updated	Jan 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1414 ROYAL FOREST LOOP LAKELAND FL 338113128, LAKELAND, FL 33811-3128

Mortgage

Document Number	0110890380
Date	Dec 30, 2019
Book Page	011089/000380
Instrument	275141

Lender

Name	CHRISTENSEN FIN'L
Type	Funding / Finance Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 29, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 3, 2019
Property Address	1414 ROYAL FOREST LOOP, LAKELAND, FL 33811-3128
Document Number	0107140698
Book / Page	010714 / 000698
Instrument Date	Dec 27, 2018
Instrument	1553
Transaction Type	Transfer
Record Updated	Jan 17, 2019
Title Company	HOME SOLUTION TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1414 ROYAL FOREST LOOP LAKELAND FL 338113128, LAKELAND, FL 33811-3128

Mortgage

Document Number	107140700
Date	Jan 3, 2019
Book Page	010714/000700
Instrument	1554

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1414 Royal Forest Loop was $3,448 with a homeowner's exemption.

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		$315,200 (+2.7%)	$519,601 (+1.44%) Land $76,386 Building $443,215
2025	$3,448.00 Homeowner's exemption	$306,913	$512,249 Land $76,386 Building $435,863
2023	$3,869.00 (+3.48%) Homeowner's exemption	$289,576 (+3%)	$504,956 (+20.25%) Land $74,688 Building $430,268
2022	$3,739.00 Homeowner's exemption	$281,142	$419,916 Land $71,293 Building $348,623

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1414 Royal Forest Loop in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2002.

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 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	4 (2002–2017)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2017 · Hurricane Irma

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 1414 Royal Forest Loop is low, with a 0.04% 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	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 183 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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