1638 E Main St, Lakeland, FL 33801 Property Records

Polk County property record for 1638 E Main St, Lakeland, FL 33801

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,398 sqft · built 1955
Lot Size	0.179 acres (7,802 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Jul 2026)
Tax Bill	$2,921 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`24-28-17-193000-026090`

Property Details

APN / Parcel Number

Primary APN	`24-28-17-193000-026090`
Alternative APNs	`172824193000026090` `72824000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,398 sqft Living Area
Gross Area	1,532 sqft
1st Floor Area	1,268 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1975
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	7,802 sqft (0.179 acres)
Lot Dimensions	130 ft deep x 60 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	264 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	226 sqft
Shed	1 Shed

Location & Zoning

Street Address	1638 E MAIN ST
City	LAKELAND
State	FL
Zip	33801-2368
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Description	SHORE ACRES PB 7 PG 15 BLK 26 LOT 9
Legal Range	24E
Legal Township	28S
Legal Section	17
Legal Subdivision	SHORE ACRES
Legal Tract	193000
Legal Block	26
Legal Lot Number	9
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1035
Census Tract	10300

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	1638 E MAIN ST, LAKELAND, FL 33801-2368
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Warranty Deed, Transfer · Conventional Mortgage A MORTGAGE
May 24, 2022	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2026 · Amount on Record
Deed Sale	Jul 15, 2026 · Amount on Record
Prior Sale	Oct 4, 2010 · Amount on Record
Deed Document Number	2026168935
Deed Book / Page	14076 / 2243
Prior Transfer Date	May 19, 2022
Prior Transfer Doc	0000141709
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 15, 2026
Property Address	1638 E MAIN ST, LAKELAND, FL 33801-2368
Document Number	0000168935
Book / Page	14076 / 2243
Instrument Date	Jul 13, 2026
Instrument	2026168935
Transaction Type	Transfer
Record Updated	Jul 27, 2026
Title Company	ORCHARD TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130,795.00
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 MAIN ST, LAKELAND, FL 33801-2368

Mortgage

Document Number	0000168936,
Date	Jul 15, 2026
Instrument	2026168936

Lender

Name	A MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	May 24, 2022
Property Address	1638 E MAIN ST, LAKELAND, FL 33801-2368
Document Number	0000141709
Book / Page	12266 / 1236
Map Reference	MB 7 PG 15
Instrument Date	May 19, 2022
Instrument	2022141709
Transaction Type	Transfer
Record Updated	Jun 7, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5599 SUMMERLAND HILLS DR, 5599, LAKELAND, FL 33812-6375

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	880 SADDLEWOOD BLVD, LAKELAND, FL 33809-7002

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		$217,594 (+6.09%)	$224,550 (+9.48%) Land $32,382 Building $192,168
2025	$2,921.00 (-0.41%) Homeowner's exemption	$205,099 (+2.65%) Land $18,727 Building $186,372	$205,099 (+1.1%) Land $18,727 Building $186,372
2024	$2,933.00 (+2.37%)
2023	$2,865.00 (+5.06%) Homeowner's exemption	$199,798 (+4.61%)	$202,877 (+6.22%) Land $17,947 Building $184,930
2022	$2,727.00 Homeowner's exemption	$190,989 Land $15,216 Building $175,773	$190,989 Land $15,216 Building $175,773

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
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

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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