1645 Red Loop, Lakeland, FL 33801 Property Records

Polk County property record for 1645 Red Loop, Lakeland, FL 33801

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,633 sqft · built 2023
Lot Size	0.138 acres (5,998 sqft)
Owner	2 Individual Names on File
Last Sale	$358,100 (Aug 2023)
Tax Bill	$1,224 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-28-12-178758-001500`

Property Details

APN / Parcel Number

Primary APN	`24-28-12-178758-001500`
Alternative APN	`122824178758001500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,633 sqft Living Area
Gross Area	3,053 sqft
1st Floor Area	1,100 sqft
Upper Floors Area	1,533 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	5,998 sqft (0.138 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch
Porch Area	35 sqft

Location & Zoning

Street Address	1645 RED LOOP
City	LAKELAND
State	FL
Zip	33801-9595
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLE CREEK PRESERVE PHASE 1 PB 189 PGS 20-23 LOT 150
Legal Subdivision	SADDLE CREEK PRESERVE PHASE 1
Legal Block	2
Legal Lot Number	150
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2003
Census Tract	11603

Owner

Source: Polk County assessment roll, as of June 23, 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 File
Mailing Address	1645 RED LOOP, LAKELAND, FL 33801-9595
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 9, 2023 · Amount on Record
Deed Sale	Aug 9, 2023 · Amount on Record
Deed Document Number	2023186052
Deed Book / Page	12794 / 1924
Record Updated	Sep 20, 2026

August 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 9, 2023
Property Address	1645 RED LOOP, LAKELAND, FL 33801-9595
Document Number	0000186052
Book / Page	12794 / 1924
Map Reference	MB 189 PG 20
Instrument Date	Aug 3, 2023
Instrument	2023186052
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 28, 2023
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,506.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4301 W BOY SCOUT BLVD # BLVD600, BLVD600, TAMPA, FL 33607-5709

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1645 RED LOOP, LAKELAND, FL 33801-9595

Mortgage

Document Number	0000186053
Date	Aug 9, 2023
Book Page	12794/1928
Instrument	2023186053

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company
Address	MIAMI, FL 33126

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Sep 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.8%
Margin	3
Max Rate	11.8%

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,224.00 (-69.2%)	$134,894 (+169.79%)	$278,864 (+457.73%) Land $52,000 Building $226,864
2023	$3,974.00 (+7.43%)	$50,000 (+19.05%) Land $50,000	$50,000 (+19.05%) Land $50,000
2022	$3,699.00	$42,000 Land $42,000	$42,000 Land $42,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Oct 2024 · Hurricane Milton

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	High above 76% of the US · above 64% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF AUBURNDALE serves 35,239 people · EPA ID FL6530090
Water Source	Groundwater
Last State Inspection	May 2023
Lead	3 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	4 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Red Loop

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