Polk County property record for 1538 E Gary Rd, Lakeland, FL 33801
| Property Type | Commercial |
|---|---|
| Details | 3 bd · 1 ba · 1,056 sqft · built 1935 |
| Lot Size | 0.236 acres (10,285 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Nov 2023) |
| Tax Bill | $2,124 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage May 2023 Sale & Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-28-17-193000-011070 |
| Primary APN | 24-28-17-193000-011070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,056 sqft Gross Area |
| 1st Floor Area | 1,056 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,285 sqft (0.236 acres) |
| Lot Dimensions | 150 ft deep x 70 ft wide |
| View / Lot | Commercial |
| Garage Type | Carport |
| Garage Area | 157 sqft |
| Carport | Carport |
| Carport Area | 157 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 140 sqft |
| Street Address | 1538 E GARY RD |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33801-2230 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | C1 |
| Legal Description | SHORE ACRES PB 7 PG 15 BLK 11 LOT 7 & LOT 8 LESS W 30 FT |
| Legal Range | 24E |
| Legal Township | 28S |
| Legal Section | 17 |
| Legal Subdivision | SHORE ACRES |
| Legal Tract | 193000 |
| Legal Block | 11 |
| Legal Lot Number | 7,8 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 10300 |
1538 E Gary Rd, a commercial property, is owned and occupied by two individuals who bought it in November 2023.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1538 E GARY RD, LAKELAND, FL 33801-2230 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Nov 2, 2023 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| May 10, 2023 | Warranty Deed, Transfer · Line of Credit EASY STREET CAPITAL INVESTMENTS LLC |
| Mar 16, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage CROSS GROUP INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2023 · Amount on File |
| Deed Sale | Nov 2, 2023 · Amount on File |
| Prior Sale | May 10, 2023 · Amount on File |
| Deed Document Number | 2023260544 |
| Deed Book / Page | 12897 / 1468 |
| Prior Transfer Date | Jan 21, 2009 |
| Prior Transfer Doc | 0000011483 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 2, 2023 |
| Property Address | 1538 E GARY RD, LAKELAND, FL 33801-2230 |
| Document Number | 0000260544 |
| Book / Page | 12897 / 1468 |
| Map Reference | MB 7 PG 15 |
| Instrument Date | Oct 27, 2023 |
| Instrument | 2023260544 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2023 |
| Title Company | ADVANCE TITLE, ADVANTAGE TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 902 WHISPER LAKE DR, WINTER HAVEN, FL 33880-1736 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1538 E GARY RD, LAKELAND, FL 33801-2230 |
| Document Number | 0128971470 |
|---|---|
| Date | Nov 2, 2023 |
| Instrument | 12897/1470 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 10, 2023 |
| Property Address | 1538 E GARY RD, LAKELAND, FL 33801-2230 |
| Document Number | 0000109665 |
| Book / Page | 12686 / 1389 |
| Map Reference | MB 7 PG 15 |
| Instrument Date | Apr 20, 2023 |
| Instrument | 2023109665 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2023 |
| Title Company | ADVANCE TITLE, ADVANTAGE TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $805.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7901 4TH ST N # N300, N300, ST PETERSBURG, FL 33702-4305 |
| Name | Verified Name |
|---|---|
| Address | 902 WHISPER LAKE DR, WAHNETA, FL 33880-1736 |
| Document Number | 0126861391 |
|---|---|
| Date | May 10, 2023 |
| Instrument | 12686/1391 |
| Name | EASY STREET CAPITAL INVESTMENTS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 9 Months |
| Due | Feb 1, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 16, 2023 |
| Property Address | 1538 E GARY RD, LAKELAND, FL 33801-2230 |
| Document Number | 0000061764 |
| Book / Page | 12618 / 1080 |
| Map Reference | MB 7 PG 15 |
| Instrument Date | Mar 3, 2023 |
| Instrument | 2023061764 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2023 |
| Title Company | ADVANCE TITLE, ADVANTAGE TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $385.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8713 PARK BYRD RD, LAKELAND, FL 33810-4865 |
| Name | Verified Name |
|---|---|
| Address | 7901 4TH ST N STE 300, 300, ST PETERSBURG, FL 33702-4399 |
| Document Number | 0126181082 |
|---|---|
| Date | Mar 16, 2023 |
| Instrument | 12618/1082 |
| Name | CROSS GROUP INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 2 Months |
| Due | May 3, 2023 |
The 2025 property tax bill for 1538 E Gary Rd was $2,124 with a homeowner's exemption.
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 | $159,008 (-1.22%) Land $54,500 Building $104,508 | $159,008 (-1.22%) Land $54,500 Building $104,508 | |
| 2025 | $2,124.00 Homeowner's exemption | $160,965 Land $54,500 Building $106,465 | $160,965 Land $54,500 Building $106,465 |
| 2023 | $750.00 (-0.27%) | $41,162 (+0.43%) Land $39,075 Building $2,087 | $41,162 (+0.43%) Land $39,075 Building $2,087 |
| 2022 | $752.00 | $40,984 Land $39,075 Building $1,909 | $40,984 Land $39,075 Building $1,909 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1538 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 1538 E Gary Rd is low, with 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 | 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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