14285 O'Conner Rd, Kathleen, FL 33849 Property Records

Polk County property record for 14285 O'Conner Rd, Kathleen, FL 33849

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,125 sqft · built 2008
Lot Size	1.65 acres (72,288 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Jun 2025)
Tax Bill	$1,548 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Mar 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-26-03-000000-011040`

Property Details

APN / Parcel Number

Primary APN	`22-26-03-000000-011040`
Alternative APNs	`032622000000011040` `32622000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,125 sqft Living Area
1st Floor Area	1,125 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	72,288 sqft
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	320 sqft
Porch	Screened/Unfinished Porch
Porch Area	120 sqft
Shed	1 Shed

Location & Zoning

Street Address	14285 OCONNER RD
City	KATHLEEN
State	FL
Zip	33849-9612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	BEG NE COR OF SEC RUN SLY ALONG ELY LINE OF SEC 662.75 FT WLY 102.71 FT NLY ALONG C/L OF DIRT RD TO A POINT 105.6 FT W OF POB E 105.6 FT TO POB LESS SR 54 & W 40 FT OF NW1/4 OF NW1/4 OF NW1/4 OF SEC 2-26-22 LESS RD R/WS
Legal Range	22E
Legal Township	26S
Legal Section	03
Legal Subdivision	HOWARD RANCH ESTATES
Legal Tract	000000
Legal Block	1
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1005
Census Tract	12130

Owner

14285 O'Conner Rd is owned and occupied by an individual who bought it in June 2025.

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

Owner of Record	Individual Name on File
Mailing Address	14285 OCONNER RD, KATHLEEN, FL 33849-9612
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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 3, 2026	Deed of Trust, Mortgage · VA Mortgage CMG MORTGAGE INC
Mar 14, 2022	Intrafamily Transfer, Transfer
Nov 6, 2018	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2025 · Amount on File
Deed Sale	Jun 3, 2025 · Amount on File
Prior Sale	Jul 29, 1996 · Amount on File
Deed Document Number	2025128354
Deed Book / Page	13569 / 1875
Prior Transfer Date	May 23, 2025
Prior Transfer Doc	0000128353
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	14285 OCONNER RD, KATHLEEN, FL 33849-9612
Transaction Type	Mortgage
Record Updated	Feb 16, 2026
Title Company	SMART TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14285 OCONNER RD, KATHLEEN, FL 33849-9612
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027860
Date	Feb 3, 2026
Book Page	13869/1022
Instrument	2026027860

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	ORMOND BEACH, FL 32174

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Mar 14, 2022
Property Address	14285 OCONNER RD, KATHLEEN, FL 33849-9612
Document Number	0000068489
Book / Page	12159 / 2156
Instrument Date	Mar 11, 2022
Instrument	2022068489
Transaction Type	Transfer
Record Updated	Mar 30, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14285 OCONNER RD, KATHLEEN, FL 33849-9612

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	14285 OCONNER RD, KATHLEEN, FL 33849-9612
Document Number	0106701278
Instrument Date	Nov 6, 2018
Transaction Type	Mortgage
Record Updated	Dec 6, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14285 OCONNOR RD KATHLEEN FL 338499612, KATHLEEN, FL 33849-9612

Mortgage

Document Number	0106701278
Date	Nov 14, 2018
Book Page	010670/001278
Instrument	238640

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	216 Months
Due	Nov 13, 2036

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 14285 O'Conner Rd was $1,548 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		$163,289 (-0.99%) Land $24,064 Building $139,225	$163,289 (-0.99%) Land $24,064 Building $139,225
2025	$1,548.00	$164,929 Land $24,064 Building $140,865	$164,929 Land $24,064 Building $140,865
2023	$349.00 (-3.32%)	$75,932 (+3%)	$171,444 (+11.37%) Land $23,234 Building $148,210
2022	$361.00 Homeowner's exemption	$73,720	$153,935 Land $19,251 Building $134,684

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 14285 O'Conner Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2024.

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 18 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	5 (2024)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 5 claims

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 14285 O'Conner Rd is high, ranking above 87% of the US, with a 0.8% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 87% of the US · above 79% of Florida
Wildfire Likelihood	0.8% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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