Polk County property record for 1422 Merganser Loop, Lakeland, FL 33813
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,443 sqft · built 2017 |
| Lot Size | 0.248 acres (10,799 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $314,000 (Jul 2019) |
| Tax Bill | $3,648 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Jul 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-29-20-286559-000320 |
| Primary APN | 24-29-20-286559-000320 |
|---|---|
| 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 | 10,799 sqft (0.248 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Pool Type | Enclosed Pool |
| Porch | Unfinished Open Porch |
| Porch Area | 244 sqft |
| Street Address | 1422 MERGANSER LOOP |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33813-2713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HALLAM PRESERVE WEST A PHASE TWO PB 160 PGS 23 & 24 LOT 32 |
| 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 | 32 |
| 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 | 1422 MERGANSER LOOP, LAKELAND, FL 33813-2713 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 2, 2020 | Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FNDG |
| Jul 3, 2019 | Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FNDG |
| Oct 24, 2017 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage FRANKLIN AMERICAN MTG |
| May 31, 2017 | Warranty Deed, Transfer INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2019 · Amount on Record |
| Deed Sale | Jul 3, 2019 · Amount on Record |
| Prior Sale | Oct 24, 2017 · Amount on Record |
| Deed Document Number | 2019139462 |
| Deed Book / Page | 10897 / 552 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1422 MERGANSER LOOP, LAKELAND, FL 33813-2713 |
| Document Number | 0112582258 |
| Instrument Date | Jun 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1422 MERGANSER LOOP LAKELAND FL 338132713, LAKELAND, FL 33813-2713 |
| Document Number | 0112582258 |
|---|---|
| Date | Jun 17, 2020 |
| Book Page | 011258/002258 |
| Instrument | 202020791 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 16, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 3, 2019 |
| Property Address | 1422 MERGANSER LOOP, LAKELAND, FL 33813-2713 |
| Document Number | 0108970552 |
| Book / Page | 010897 / 000552 |
| Instrument Date | Jul 1, 2019 |
| Instrument | 139462 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,198.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1422 MERGANSER LOOP LAKELAND FL 338132713, LAKELAND, FL 33813-2713 |
| Document Number | 108970554 |
|---|---|
| Date | Jul 3, 2019 |
| Book Page | 010897/000554 |
| Instrument | 139463 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 2, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 24, 2017 |
| Property Address | 1422 MERGANSER LOOP, LAKELAND, FL 33813-2713 |
| Document Number | 0102941800 |
| Book / Page | 010294 / 001800 |
| Instrument Date | Oct 18, 2017 |
| Instrument | 203227 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | INSURED R/E TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,034.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1422 MERGANSER LOOP LAKELAND FL 338132713, LAKELAND, FL 33813-2713 |
| Document Number | 102941801 |
|---|---|
| Date | Oct 24, 2017 |
| Book Page | 010294/001801 |
| Instrument | 203228 |
| Name | FRANKLIN AMERICAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | PITTSBURGH, PA 15220 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 23, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 31, 2017 |
| Property Address | 1422 MERGANSER LOOP, LAKELAND, FL 33813-2713 |
| Document Number | 0101651606 |
| Book / Page | 010165 / 001606 |
| Instrument Date | May 31, 2017 |
| Instrument | 106135 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2017 |
| Title Company | INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $483.00 |
| Amount Accuracy | Confirmed |
| 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 | $410,054 (+27.18%) Land $76,000 Building $334,054 | $410,054 (%) Land $76,000 Building $334,054 | |
| 2025 | $3,648.00 (-10.28%) Homeowner's exemption | $322,424 (+5.99%) | $410,058 (+1.35%) Land $76,000 Building $334,058 |
| 2023 | $4,066.00 (+3.09%) Homeowner's exemption | $304,211 (+3%) | $404,591 (+3.18%) Land $70,000 Building $334,591 |
| 2022 | $3,944.00 Homeowner's exemption | $295,350 | $392,130 Land $68,000 Building $324,130 |
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 500 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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