Polk County property record for 1426 Merganser Loop, Lakeland, FL 33813
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,813 sqft · built 2018 |
| Lot Size | 0.254 acres (11,051 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $375,000 (Jul 2019) |
| Tax Bill | $3,790 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Jul 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-29-20-286559-000330 |
| Primary APN | 24-29-20-286559-000330 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,813 sqft Living Area |
| Gross Area | 3,253 sqft |
| 1st Floor Area | 2,813 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 11,051 sqft (0.254 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 305 sqft |
| Street Address | 1426 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 33 |
| 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 | 33 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 14804 |
1426 Merganser Loop is owned and occupied by two individuals who bought it in July 2019.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1426 MERGANSER LOOP, LAKELAND, FL 33813-2713 |
| 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 |
|---|---|
| Oct 23, 2020 | Deed of Trust, Mortgage · Conventional with PMI FAIRWAY INDEPENDENT MTG |
| Jul 16, 2019 | Warranty Deed, Transfer · Conventional with PMI FAIRWAY INDPNT MTG CORP |
| Apr 27, 2018 | Loan Modification, Mortgage FBC MTG |
| Oct 18, 2017 | Warranty Deed, Construction Loan · Construction Mortgage FBC MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2019 · Amount on File |
| Deed Sale | Jul 16, 2019 · Amount on File |
| Prior Sale | Oct 18, 2017 · Amount on File |
| Deed Document Number | 2019147980 |
| Deed Book / Page | 10908 / 969 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1426 MERGANSER LOOP, LAKELAND, FL 33813-2713 |
| Document Number | 0114361928 |
| Instrument Date | Oct 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1426 MERGANSER LOOP LAKELAND FL 338132713, LAKELAND, FL 33813-2713 |
| Document Number | 0114361928 |
|---|---|
| Date | Oct 30, 2020 |
| Book Page | 011436/001928 |
| Instrument | 231791 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 29, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 16, 2019 |
| Property Address | 1426 MERGANSER LOOP, LAKELAND, FL 33813-2713 |
| Document Number | 0109080969 |
| Book / Page | 010908 / 000969 |
| Instrument Date | Jul 11, 2019 |
| Instrument | 147980 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2019 |
| Title Company | SUNBELT TITLE (AGENCY) |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1426 MERGANSER LOOP LAKELAND FL 338132713, LAKELAND, FL 33813-2713 |
| Document Number | 109080970 |
|---|---|
| Date | Jul 16, 2019 |
| Book Page | 010908/000970 |
| Instrument | 147981 |
| Name | FAIRWAY INDPNT MTG CORP |
|---|---|
| Address | CARROLLTON, TX 75007 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 15, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1426 MERGANSER LOOP, LAKELAND, FL 33813-2713 |
| Document Number | 0104732279 |
| Instrument Date | Apr 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2018 |
| Title Company | INSURED TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1426 MERGANSER LOOP LAKELAND FL 338132713, LAKELAND, FL 33813-2713 |
| Document Number | 0104732279 |
|---|---|
| Date | May 3, 2018 |
| Book Page | 010473/002279 |
| Instrument | 95041 |
| Name | FBC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | May 2, 2033 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 18, 2017 |
| Property Address | 1426 MERGANSER LOOP, LAKELAND, FL 33813-2713 |
| Document Number | 0102890738 |
| Book / Page | 010289 / 000738 |
| Instrument Date | Oct 16, 2017 |
| Instrument | 198797 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 20, 2018 |
| Title Company | INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Tax | $483.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2111 NORMANDY HEIGHTS LN WINTER HAVEN FL 338805370, WINTER HAVEN, FL 33880-5370 |
| Document Number | 102890739 |
|---|---|
| Date | Oct 18, 2017 |
| Book Page | 010289/000739 |
| Instrument | 198798 |
| Name | FBC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 17, 2047 |
The 2025 property tax bill for 1426 Merganser Loop was $3,790 with a homeowner's exemption.
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 | $342,366 (+2.7%) | $429,605 (-2.3%) Land $76,000 Building $353,605 | |
| 2025 | $3,790.00 Homeowner's exemption | $333,365 | $439,701 Land $76,000 Building $363,701 |
| 2023 | $4,202.00 (+3.07%) Homeowner's exemption | $314,534 (+3%) | $434,833 (+3.5%) Land $70,000 Building $364,833 |
| 2022 | $4,077.00 Homeowner's exemption | $305,373 | $420,127 Land $68,000 Building $352,127 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1426 Merganser Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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.
Wildfire risk around 1426 Merganser Loop is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.
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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