Polk County property record for 1431 E Gary Rd, Lakeland, FL 33801
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 4,800 sqft · built 1979 |
| Lot Size | 0.661 acres (28,811 sqft) |
| Owner | Company Name on File |
| Last Sale | $410,000 (May 2023) |
| Tax Bill | $4,259 (2025) |
| Deeds & Mortgages | May 2023 Sale & Construction Loan Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-28-17-193000-010190 |
| Primary APN | 24-28-17-193000-010190 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 4,800 sqft Gross Area |
| 1st Floor Area | 4,800 sqft |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1991 |
| Fire Resistance | Masonry Walls, Wood Interior |
| Lot Area | 28,811 sqft (0.661 acres) |
| View / Lot | Commercial |
| Total Buildings | 2 Buildings |
| Street Address | 1431 E GARY RD |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33801-2143 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | C2 |
| Legal Description | SHORE ACRES PB 7 PG 15 BLK 10 PART OF LOT 18 DESC AS BEG AT SW COR LOT 18 RUN ELY ALONG S LINE LOT 18 52.85 FT RUN NLY 165.52 FT TO WLY LINE OF LOT 18 RUN SWLY ALONG WLY LINE LOT 18 179.88 FT TO POB & LOT 19 LESS COMM AT NE COR OF LOT 19 RUN SLY ALON |
| Legal Range | 24E |
| Legal Township | 28S |
| Legal Section | 17 |
| Legal Subdivision | SHORE ACRES |
| Legal Block | 10 |
| Legal Lot Number | 18 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 10300 |
1431 E Gary Rd, a commercial property, is owned by a company that bought it in May 2023.
Source: Polk County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 817 N LAKE PARKER AVE, LAKELAND, FL 33801-2044 |
| Owner Type | Company |
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 |
|---|---|
| May 12, 2023 | Special Warranty Deed, Construction Loan · Construction Mortgage L T I G INC |
| Apr 1, 2020 | Deed of Trust, Mortgage REGIONS BK |
| Jan 24, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 2023 · Amount on File |
| Deed Sale | May 12, 2023 · Amount on File |
| Prior Sale | Jan 24, 2020 · Amount on File |
| Deed Document Number | 2023111457 |
| Deed Book / Page | 12689 / 821 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 12, 2023 |
| Property Address | 1431 E GARY RD, LAKELAND, FL 33801-2143 |
| Document Number | 0000111457 |
| Book / Page | 12689 / 821 |
| Map Reference | MB 7 PG 15 |
| Instrument Date | May 10, 2023 |
| Instrument | 2023111457 |
| Transaction Type | Construction Loan |
| Record Updated | May 25, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,870.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1941 RANCH ESTATE DR, ORLANDO, FL 32825-8407 |
| Name | Verified Name |
|---|---|
| Address | 817 N LAKE PARKER AVE, LAKELAND, FL 33801-2044 |
| Document Number | 0012689829 |
|---|---|
| Date | May 12, 2023 |
| Instrument | 12689/829 |
| Name | L T I G INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1431 E GARY RD, LAKELAND, FL 33801-2143 |
| Document Number | 0112031715 |
| Instrument Date | Apr 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1431 E GARY RD LAKELAND FL 338012143, LAKELAND, FL 33801-2143 |
| Document Number | 0112031715 |
|---|---|
| Date | Apr 13, 2020 |
| Book Page | 011203/001715 |
| Instrument | 77508 |
| Name | REGIONS BK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Apr 12, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 24, 2020 |
| Property Address | 1431 E GARY RD, LAKELAND, FL 33801-2143 |
| Document Number | 0111171576 |
| Book / Page | 011117 / 001576 |
| Instrument Date | Jan 23, 2020 |
| Instrument | 17811 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,789.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1941 RANCH ESTATE DR ORLANDO FL 328258407, ORLANDO, FL 32825-8407 |
The 2025 property tax bill for 1431 E Gary Rd was $4,259.
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 | $228,990 (-3.01%) Land $109,486 Building $119,504 | $228,990 (-3.01%) Land $109,486 Building $119,504 | |
| 2025 | $4,259.00 | $236,096 Land $109,486 Building $126,610 | $236,096 Land $109,486 Building $126,610 |
| 2023 | $4,281.00 (-0.09%) | $234,880 (+0.68%) Land $109,486 Building $125,394 | $234,880 (+0.68%) Land $109,486 Building $125,394 |
| 2022 | $4,285.00 | $233,284 Land $109,486 Building $123,798 | $233,284 Land $109,486 Building $123,798 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1431 E Gary Rd in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 6 in force |
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 1431 E Gary Rd is low, with less than 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 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 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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