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1531 E Elm Rd, Lakeland, FL 33801 Property Records

Polk County property record for 1531 E Elm Rd, Lakeland, FL 33801

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,150 sqft · built 1949
Lot Size0.178 acres (7,745 sqft)
Owner2 Trust Names on File
Last Sale$250,000 (Jan 2025)
Tax Bill$2,528 (2025)
Deeds & MortgagesSep 2026 Sale
Sep 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN24-28-17-193000-005400

Property Details

APN / Parcel Number

Primary APN24-28-17-193000-005400
Alternative APNs
  • 172824193000005400
  • 72824000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,150 sqft Living Area
Gross Area958 sqft
1st Floor Area958 sqft
FlooringWood
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1949
Effective Year BuiltEffective 1949
Exterior MaterialStucco
Construction TypeWood
Foundation TypePier/Post & Beam
Roof TypeGable
Roof MaterialOther
Lot Area7,745 sqft (0.178 acres)
Lot Dimensions153 ft deep x 51 ft wide
View / LotCommercial/Industrial
Garage TypeDetached
Garage Area360 sqft
PorchSlab
Porch Area336 sqft

Location & Zoning

Street Address1531 E ELM RD
CityLAKELAND
StateFL
Zip33801-2319
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRA3
Legal DescriptionSHORE ACRES PB 7 PG 15 BLK 5 LOT 40
Legal Range24E
Legal Township28S
Legal Section17
Legal SubdivisionSHORE ACRES
Legal Tract193000
Legal Block5
Legal Lot Number40
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group1
Census Block1037
Census Tract10300

Owner

1531 E Elm Rd is held in a trust since January 2025.

Source: Polk County records, as of October 13, 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 Record2 Trust Names on File
Mailing Address3225 MCLEOD DR STE 777, 777, LAKELAND, FL 33801
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Sep 23, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Sep 18, 2020Warranty Deed, Transfer · FHA Mortgage
EMBRACE HM LOANS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 16, 2025 · Amount on File
Deed SaleJan 16, 2025 · Amount on File
Prior SaleSep 18, 2020 · Amount on File
Deed Document Number202512638
Deed Book / Page13404 / 322
Record UpdatedOct 29, 2026

September 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateSep 23, 2026
Property Address1531 E ELM RD, LAKELAND, FL 33801-2319
Document Number0000229602
Book / Page14163 / 955
Instrument DateSep 4, 2026
Instrument2026229602
Transaction TypeTransfer
Record UpdatedOct 6, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTrust

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateSep 18, 2020
Property Address1531 E ELM RD, LAKELAND, FL 33801-2319
Document Number0113810968
Book / Page011381 / 000968
Instrument DateAug 31, 2020
Instrument195833
Transaction TypeTransfer
Record UpdatedOct 8, 2020
Title CompanyEASY TITLE COMPANY LLC, EASY TITLE CO LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,134.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4630 POOR MANS LN MULBERRY FL 33860, MULBERRY, FL 33860

Mortgage

Document Number113810970
DateSep 18, 2020
Book Page011381/000970
Instrument195834
Lender
NameEMBRACE HM LOANS
TypeFunding / Finance Company
AddressMIDDLETOWN, RI 02842
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueSep 17, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1531 E Elm Rd was $2,528.

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityLakeland City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$198,083 (+8.04%) Land $32,138 Building $165,945$198,083 (+8.04%) Land $32,138 Building $165,945
2025$2,528.00$183,335 Land $18,586 Building $164,749$183,335 Land $18,586 Building $164,749
2023$2,494.00 (-8.44%) Homeowner's exemption$179,398 (+6.61%) Land $17,811 Building $161,587$179,398 (+6.61%) Land $17,811 Building $161,587
2022$2,724.00$168,274 Land $15,101 Building $153,173$168,274 Land $15,101 Building $153,173

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

Flood

FEMA maps place 1531 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies6 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

Wildfire risk around 1531 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCITY OF LAKELAND
serves 193,297 people · EPA ID FL6531014
Water SourceGroundwater
Last State InspectionJul 2022
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 280 locations within half a mile, as of December 31, 2025

ProviderMax 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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