1806 E Elm Rd, Lakeland, FL 33801 Property Records

Polk County property record for 1806 E Elm Rd, Lakeland, FL 33801

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,437 sqft · built 1947
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Apr 2022)
Tax Bill	$3,372 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-17-193000-024270`

Property Details

APN / Parcel Number

Primary APN	`24-28-17-193000-024270`
Alternative APNs	`172824193000024270` `72824000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,437 sqft Living Area
Gross Area	1,941 sqft
1st Floor Area	1,185 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	135 ft deep x 120 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	504 sqft
Porch	Florida Room
Porch Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1806 E ELM RD
City	LAKELAND
State	FL
Zip	33801-2326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Description	SHORE ACRES PB 7 PG 15 BLK 24 LOTS 27 & 28
Legal Range	24E
Legal Township	28S
Legal Section	17
Legal Subdivision	SHORE ACRES
Legal Tract	193000
Legal Block	24
Legal Lot Number	27,28
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1033
Census Tract	10300

Owner

1806 E Elm Rd is owned and occupied by an individual who bought it in April 2022.

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	1806 E ELM RD, LAKELAND, FL 33801-2326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Jul 26, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage TRUIST BANK
Nov 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2022 · Amount on File
Deed Sale	Apr 18, 2022 · Amount on File
Prior Sale	Jan 25, 2010 · Amount on File
Deed Document Number	2022104491
Deed Book / Page	12212 / 2060
Prior Transfer Date	Jul 7, 2021
Prior Transfer Doc	0000192790
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 19, 2022
Property Address	1806 E ELM RD, LAKELAND, FL 33801-2326
Document Number	0000104491
Book / Page	12212 / 2060
Map Reference	MB 7 PG 15
Instrument Date	Apr 11, 2022
Instrument	2022104491
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	GOLDEN RULE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3680 WELSCH WAY, 3680, LAKELAND, FL 33813-4494

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1806 E ELM RD, LAKELAND, FL 33801-2326

Mortgage

Document Number	0122122062
Date	Apr 19, 2022
Instrument	12212/2062

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 10, 2052

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Jul 26, 2021
Property Address	1806 E ELM RD, LAKELAND, FL 33801-2326
Document Number	0000192790
Book / Page	11817 / 1743
Map Reference	MB 7 PG 15
Instrument Date	Jul 7, 2021
Instrument	2021192790
Transaction Type	Transfer
Record Updated	Sep 13, 2021
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1806 E ELM RD, LAKELAND, FL 33801-2326

Mortgage

Document Number	0118171746
Date	Jul 26, 2021
Instrument	11817/1746

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2041

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1806 E ELM RD, LAKELAND, FL 33801-2326
Document Number	0103231257
Book / Page	010323 / 001257
Instrument Date	Nov 15, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1806 E ELM RD LAKELAND FL 338012326, LAKELAND, FL 33801-2326

Mortgage

Document Number	0103231257
Date	Nov 27, 2017
Book Page	010323/001257
Instrument	226528

Lender

Name	SUNTRUST MTG
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 26, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 1806 E Elm Rd was $3,372 with a homeowner's exemption.

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		$236,337 (+2.69%)	$258,192 (+12.18%) Land $55,571 Building $202,621
2025	$3,372.00 Homeowner's exemption	$230,150 Land $37,871 Building $192,279	$230,150 Land $37,871 Building $192,279
2023	$3,307.00 (+1.29%) Homeowner's exemption	$224,028 (+9.49%) Land $36,260 Building $187,768	$224,028 (+9.49%) Land $36,260 Building $187,768
2022	$3,265.00	$204,616 Land $30,781 Building $173,835	$204,616 Land $30,781 Building $173,835

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

Flood

FEMA maps place 1806 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 1806 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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