Polk County property record for 1509 E Elm Rd, Lakeland, FL 33801
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,527 sqft · built 2019 |
| Lot Size | 0.209 acres (9,108 sqft) |
| Owner | Individual Name on File |
| Last Sale | $285,000 (Oct 2026) |
| Tax Bill | $2,054 (2024) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-28-17-193000-005350 |
| Primary APN | 24-28-17-193000-005350 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,527 sqft Living Area |
| Gross Area | 1,779 sqft |
| 1st Floor Area | 1,527 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,108 sqft (0.209 acres) |
| Lot Dimensions | 158 ft deep x 53 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Porch | Slab |
| Porch Area | 207 sqft |
| Street Address | 1509 E ELM RD |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33801-2319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA3 |
| Legal Description | SHORE ACRES PB 7 PG 15 BLK 5 LOT 35 |
| Legal Range | 24E |
| Legal Township | 28S |
| Legal Section | 17 |
| Legal Subdivision | SHORE ACRES |
| Legal Tract | 193000 |
| Legal Block | 5 |
| Legal Lot Number | 35 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 10300 |
1509 E Elm Rd is owned and occupied by an individual who bought it in October 2026.
Source: Polk County records, as of October 15, 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 | Individual Name on File |
|---|---|
| Mailing Address | 1509 E ELM RD, LAKELAND, FL 33801-2319 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Oct 1, 2026 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 9, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jul 3, 2019 | Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| May 24, 2018 | Warranty Deed, Transfer JENNIFER R GREBENSCHIKOFF |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2026 · Amount on File |
| Deed Sale | Oct 1, 2026 · Amount on File |
| Prior Sale | Jul 3, 2019 · Amount on File |
| Deed Document Number | 2026236786 |
| Deed Book / Page | 14173 / 811 |
| Prior Transfer Date | May 16, 2014 |
| Prior Transfer Doc | 0092490616 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 1, 2026 |
| Property Address | 1509 E ELM RD, LAKELAND, FL 33801-2319 |
| Document Number | 0000236786 |
| Book / Page | 14173 / 811 |
| Instrument Date | Sep 25, 2026 |
| Instrument | 2026236786 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2026 |
| Title Company | BROKERS TITLE LC, BROKERS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $201,495.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1509 E ELM RD, LAKELAND, FL 33801-2319 |
| Document Number | 0000236787, |
|---|---|
| Date | Oct 1, 2026 |
| Instrument | 2026236787 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1509 E ELM RD, LAKELAND, FL 33801-2319 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2026 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 1509 E ELM RD AD, AD, LAKELAND, FL 33801-2319 |
| Document Number | 0000177517 |
|---|---|
| Date | Jul 9, 2021 |
| Book Page | 11794/1097 |
| Instrument | 2021177517 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 3, 2019 |
| Property Address | 1509 E ELM RD, LAKELAND, FL 33801-2319 |
| Document Number | 0108961489 |
| Book / Page | 010896 / 001489 |
| Instrument Date | Jun 28, 2019 |
| Instrument | 139061 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2019 |
| Title Company | HOME SOLUTION TITLE INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,365.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3390 WALLACE RD BARTOW FL 338308588, BARTOW, FL 33830-8588 |
| Document Number | 108961490 |
|---|---|
| Date | Jul 3, 2019 |
| Book Page | 010896/001490 |
| Instrument | 139062 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 2, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 24, 2018 |
| Property Address | 1509 E ELM RD, LAKELAND, FL 33801-2319 |
| Document Number | 0104951075 |
| Book / Page | 010495 / 001075 |
| Instrument Date | May 17, 2018 |
| Instrument | 111376 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2018 |
| Title Company | HOME SOLUTION TITLE INC |
| Amount | Amount on Record |
|---|---|
| Tax | $87.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3853 NORTHDALE BLVD #345 TAMPA FL 336241861, 345, TAMPA, FL 33624-1861 |
| Document Number | 104902060 |
|---|---|
| Date | May 24, 2018 |
| Book Page | 010490/002060 |
| Instrument | 107840 |
| Name | JENNIFER R GREBENSCHIKOFF |
|---|---|
| Address | 4133 CARROLLWOOD VILLAGE DR, TAMPA, FL 33618-8631 |
| Amount | Amount on Record |
|---|
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 | $170,654 (+2.7%) | $271,978 (+9.63%) Land $37,798 Building $234,180 | |
| 2025 | $166,167 | $248,092 Land $21,748 Building $226,344 | |
| 2024 | $2,054.00 (+3.22%) | ||
| 2023 | $1,990.00 (+3.48%) Homeowner's exemption | $156,781 (+3%) | $248,312 (+3.5%) Land $20,838 Building $227,474 |
| 2022 | $1,923.00 Homeowner's exemption | $152,215 | $239,916 Land $17,672 Building $222,244 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1509 E Elm Rd 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 |
| 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 1509 E Elm 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 99.1% of the US · lower than 98.7% 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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