Polk County property record for 1439 Merganser Loop, Lakeland, FL 33813
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,497 sqft · built 2017 |
| Lot Size | 0.322 acres (14,039 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $69,100 (Jun 2017) |
| Tax Bill | $3,173 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Nov 2017 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-29-20-286559-000220 |
| Primary APN | 24-29-20-286559-000220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,497 sqft Living Area |
| Gross Area | 2,897 sqft |
| 1st Floor Area | 2,497 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 | 14,039 sqft (0.322 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Pool Type | Enclosed Pool |
| Porch | Finished/Open Porch |
| Porch Area | 238 sqft |
| Street Address | 1439 MERGANSER LOOP |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33813-2700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HALLAM PRESERVE WEST A PHASE TWO PB 160 PGS 23 & 24 LOT 22 |
| 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 | 22 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1439 MERGANSER LOOP, LAKELAND, FL 33813-2700 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU |
| Nov 27, 2017 | Loan Modification, Mortgage MIDFLORIDA CU |
| Jun 1, 2017 | Warranty Deed, Transfer MIDFLORIDA CU ISAOA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2017 · Amount on Record |
| Deed Sale | Jun 1, 2017 · Amount on Record |
| Deed Document Number | 2017104014 |
| Deed Book / Page | 10162 / 1418 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1439 MERGANSER LOOP, LAKELAND, FL 33813-2700 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | INSURED TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1439 MERGANSER LOOP, LAKELAND, FL 33813-2700 |
| Document Number | 0000314047 |
|---|---|
| Date | Dec 2, 2021 |
| Book Page | 12008/1879 |
| Instrument | 2021314047 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 1, 2041 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1439 MERGANSER LOOP, LAKELAND, FL 33813-2700 |
| Document Number | 0103361558 |
| Book / Page | 010336 / 001558 |
| Instrument Date | Nov 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1439 MERGANSER LOOP LAKELAND FL 338132700, LAKELAND, FL 33813-2700 |
| Document Number | 0103361558 |
|---|---|
| Date | Dec 11, 2017 |
| Book Page | 010336/001558 |
| Instrument | 236793 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33803 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 10, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 1, 2017 |
| Property Address | 1439 MERGANSER LOOP, LAKELAND, FL 33813-2700 |
| Document Number | 0101621418 |
| Book / Page | 010162 / 001418 |
| Instrument Date | May 26, 2017 |
| Instrument | 104014 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2018 |
| Title Company | INSURED TITLE SERVICES, INSURED TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $483.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1213 HEARTLAND CIR MULBERRY FL 338606526, MULBERRY, FL 33860-6526 |
| Document Number | 101621419 |
|---|---|
| Date | Jun 1, 2017 |
| Book Page | 010162/001419 |
| Instrument | 104015 |
| Name | MIDFLORIDA CU ISAOA |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802-8008 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 31, 2047 |
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 | $293,354 (+2.7%) | $435,621 (+3.21%) Land $76,000 Building $359,621 | |
| 2025 | $3,173.00 (-12.13%) Homeowner's exemption | $285,642 (+5.99%) | $422,074 (+1.47%) Land $76,000 Building $346,074 |
| 2023 | $3,611.00 (+3.26%) Homeowner's exemption | $269,507 (+3%) | $415,958 (+3.28%) Land $70,000 Building $345,958 |
| 2022 | $3,497.00 Homeowner's exemption | $261,657 | $402,749 Land $68,000 Building $334,749 |
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 100 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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