1638 E Elm Rd, Lakeland, FL 33801 Property Records

Polk County property record for 1638 E Elm Rd, Lakeland, FL 33801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1953
Lot Size	0.212 acres (9,239 sqft)
Owner	2 Individual Names on File
Last Sale	$216,500 (Jul 2026)
Tax Bill	$1,295 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-17-193000-023100`

Property Details

APN / Parcel Number

Primary APN	`24-28-17-193000-023100`
Alternative APNs	`172824193000023100` `72824000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	9,239 sqft (0.212 acres)
Lot Dimensions	143 ft deep x 65 ft wide
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	286 sqft
Porch	Screened/Unfinished Porch
Porch Area	127 sqft

Location & Zoning

Street Address	1638 E ELM RD
City	LAKELAND
State	FL
Zip	33801-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Description	SHORE ACRES PB 7 PG 15 BLK 23 LOT 10
Legal Range	24E
Legal Township	28S
Legal Section	17
Legal Subdivision	SHORE ACRES
Legal Tract	193000
Legal Block	23
Legal Lot Number	10
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1032
Census Tract	10300

Owner

1638 E Elm Rd is owned and occupied by two individuals who bought it in July 2026.

Source: Polk County records, as of September 28, 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	2 Individual Names on File
Mailing Address	1638 E ELM RD, LAKELAND, FL 33801-2322
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
Oct 28, 2022	Intrafamily Transfer, Transfer · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC
May 11, 2020	Warranty Deed, Transfer · FHA Mortgage SUCCESS MTG PTRS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2026 · Amount on File
Deed Sale	Jul 29, 2026 · Amount on File
Prior Sale	Oct 28, 2022 · Amount on File
Deed Document Number	2026181270
Deed Book / Page	14093 / 1763
Prior Transfer Date	Oct 22, 2022
Prior Transfer Doc	0000285208
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 29, 2026
Property Address	1638 E ELM RD, LAKELAND, FL 33801-2322
Document Number	0000181270
Book / Page	14093 / 1763
Instrument Date	Jul 23, 2026
Instrument	2026181270
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	SMART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$153,065.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1638 E ELM RD, LAKELAND, FL 33801-2322

Mortgage

Document Number	0000181271,
Date	Jul 29, 2026
Instrument	2026181271

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Oct 28, 2022
Property Address	1638 E ELM RD, LAKELAND, FL 33801-2322
Document Number	0000285208
Book / Page	12467 / 508
Map Reference	MB 7 PG 15
Instrument Date	Oct 22, 2022
Instrument	2022285208
Transaction Type	Transfer
Record Updated	Nov 10, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1638 E ELM RD, 1638, LAKELAND, FL 33801-2322

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1638 E ELM RD, LAKELAND, FL 33801-2322

Mortgage

Document Number	0012467512
Date	Oct 28, 2022
Instrument	12467/512

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 11, 2020
Property Address	1638 E ELM RD, LAKELAND, FL 33801-2322
Document Number	0112300766
Book / Page	011230 / 000766
Instrument Date	May 6, 2020
Instrument	94494
Transaction Type	Transfer
Record Updated	May 28, 2020
Title Company	SMART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1638 E ELM RD LAKELAND FL 338012322, LAKELAND, FL 33801-2322

Mortgage

Document Number	112300768
Date	May 11, 2020
Book Page	011230/000768
Instrument	94495

Lender

Name	SUCCESS MTG PTRS
Type	Mortgage Company
Address	PLYMOUTH, MI 48170

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 10, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1638 E Elm Rd was $1,295, up 3.8% from the year before.

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		$118,113 (+2.7%)	$169,610 (+14.82%) Land $38,342 Building $131,268
2025	$1,295.00 (+3.85%)	$115,008	$147,712 Land $22,050 Building $125,662
2024	$1,247.00 (+3.83%)
2023	$1,201.00 (+4.07%) Homeowner's exemption	$108,512 (+3%)	$145,312 (+2.53%) Land $21,126 Building $124,186
2022	$1,154.00 Homeowner's exemption	$105,351	$141,732 Land $17,917 Building $123,815

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1638 E Elm 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

Wildfire risk around 1638 E Elm 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 96% of the US · lower than 96% 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 246 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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