1645 Royal Forest Loop, Lakeland, FL 33811 Property Records

Polk County property record for 1645 Royal Forest Loop, Lakeland, FL 33811

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,449 sqft · built 2001
Lot Size	0.332 acres (14,471 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Nov 2012)
Tax Bill	$2,950 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`23-29-23-141809-000190`

Property Details

APN / Parcel Number

Primary APN	`23-29-23-141809-000190`
Alternative APN	`32923000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,449 sqft Living Area
Gross Area	2,849 sqft
1st Floor Area	2,449 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	14,471 sqft (0.332 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Pool Type	Enclosed Pool
Porch	Finished/Open Porch
Porch Area	488 sqft

Location & Zoning

Street Address	1645 ROYAL FOREST LOOP
City	LAKELAND
State	FL
Zip	33811-3138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LONGWOOD PLACE PB 101 PGS 23 & 24 LOT 19
Legal Range	23E
Legal Township	29S
Legal Section	23
Legal Subdivision	LONGWOOD PLACE
Legal Tract	141809
Legal Block	1
Legal Lot Number	19
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1004
Census Tract	11912

Owner

1645 Royal Forest Loop is owned and occupied by an individual who bought it in November 2012.

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	Individual Name on File
Mailing Address	1645 ROYAL FOREST LOOP, LAKELAND, FL 33811-3138
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2012 · Amount on File
Deed Sale	Nov 7, 2012 · Amount on File
Prior Sale	May 31, 2005 · Amount on File
Deed Document Number	2012200368
Deed Book / Page	8793 / 1089
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1645 ROYAL FOREST LOOP, LAKELAND, FL 33811-3138
Document Number	0101380398
Book / Page	010138 / 000398
Instrument Date	Apr 25, 2017
Transaction Type	Mortgage
Record Updated	Jun 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 ROYAL FOREST LOOP LAKELAND FL 338113138, LAKELAND, FL 33811-3138

Mortgage

Document Number	0101380398
Date	Apr 25, 2017
Book Page	010138/000398
Instrument	85856

Lender

Name	MIDFLORIDA CU
Address	PO BOX 8008, LAKELAND, FL 33802-8008

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 24, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1645 Royal Forest Loop was $2,950 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 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
2026		$275,684 (+2.7%)	$431,804 (+2.47%) Land $65,115 Building $366,689
2025	$2,950.00 Homeowner's exemption	$268,436	$421,389 Land $65,115 Building $356,274
2023	$3,393.00 (+3.73%) Homeowner's exemption	$253,273 (+3%)	$423,559 (+12.31%) Land $63,668 Building $359,891
2022	$3,271.00 Homeowner's exemption	$245,896	$377,123 Land $60,774 Building $316,349

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

Flood

FEMA maps place 1645 Royal Forest Loop 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	4 (2002–2017)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2017 · Hurricane Irma

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 1645 Royal Forest Loop is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.04% 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	SOUTHWEST/POLK COUNTY UTILITY serves 39,209 people · EPA ID FL6530852
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	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	11 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 183 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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