1522 Carioca Dr, Lakeland, FL 33801 Property Records

Polk County property record for 1522 Carioca Dr, Lakeland, FL 33801

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,292 sqft · built 1962
Lot Size	0.149 acres (6,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$111,000 (Jan 2019)
Tax Bill	$1,372 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-28-244700-004080`

Property Details

APN / Parcel Number

Primary APN	`24-28-28-244700-004080`
Alternative APNs	`282824244700004080` `82824000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,292 sqft Living Area
Gross Area	964 sqft
1st Floor Area	964 sqft
Utility Room	Utility Room
Flooring	Terrazzo
Interior Walls	Wood

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	6,499 sqft (0.149 acres)
Lot Dimensions	100 ft deep x 65 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	100 sqft
Carport	Carport
Carport Area	100 sqft
Porch	Unfinished Open Porch
Porch Area	88 sqft

Location & Zoning

Street Address	1522 CARIOCA DR
City	LAKELAND
State	FL
Zip	33801-6509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA4
Legal Description	TRADEWINDS PB 45 PG 46 BLK 4 LOT 8
Legal Range	24E
Legal Township	28S
Legal Section	28
Legal Subdivision	TRADEWINDS
Legal Tract	244700
Legal Block	4
Legal Lot Number	8
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2003
Census Tract	11732

Owner

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	1522 CARIOCA DR, LAKELAND, FL 33801-6509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Jan 11, 2019	Warranty Deed, Transfer · FHA Mortgage CITIZENS BK NA
Sep 26, 2018	Deed of Trust, Mortgage BOWERHAUS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2019 · Amount on Record
Deed Sale	Jan 11, 2019 · Amount on Record
Prior Sale	Sep 24, 2008 · Amount on Record
Deed Document Number	20197469
Deed Book / Page	10722 / 123
Prior Transfer Date	Sep 17, 2008
Prior Transfer Doc	0000162157
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1522 CARIOCA DR, LAKELAND, FL 33801-6509
Document Number	0114030707
Instrument Date	Oct 1, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1522 CARIOCA DR LAKELAND FL 338016509, LAKELAND, FL 33801-6509

Mortgage

Document Number	0114030707
Date	Oct 6, 2020
Book Page	011403/000707
Instrument	210144

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 11, 2019
Property Address	1522 CARIOCA DR, LAKELAND, FL 33801-6509
Document Number	0107220123
Book / Page	010722 / 000123
Instrument Date	Dec 18, 2018
Instrument	7469
Transaction Type	Transfer
Record Updated	Jan 31, 2019
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$777.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1522 CARIOCA DR LAKELAND FL 338016509, LAKELAND, FL 33801-6509

Mortgage

Document Number	107220125
Date	Jan 11, 2019
Book Page	010722/000125
Instrument	7470

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1522 CARIOCA DR, LAKELAND, FL 33801-6509
Document Number	0106321060
Instrument Date	Sep 26, 2018
Transaction Type	Mortgage
Record Updated	Oct 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6 SHANNON BAYWEST SAINT PAUL

Mortgage

Document Number	0106321060
Date	Oct 4, 2018
Book Page	010632/001060
Instrument	210274

Lender

Name	BOWERHAUS LLC
Address	5337 N SOCRUM LOOP RD # 105, LAKELAND, FL 33809-4256

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Lakeland City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$122,479 (+2.7%)	$169,854 (+1.98%) Land $27,000 Building $142,854
2025	$1,372.00 (+7.69%) Homeowner's exemption	$119,259 (+5.99%)	$166,553 (-10.86%) Land $27,000 Building $139,553
2023	$1,274.00 (+3.92%) Homeowner's exemption	$112,522 (+3%)	$186,842 (+14.88%) Land $26,000 Building $160,842
2022	$1,226.00 Homeowner's exemption	$109,245	$162,634 Land $22,000 Building $140,634

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 454 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Tillman Fiber.

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