1818 E Elm Rd, Lakeland, FL 33801 Property Records

Polk County property record for 1818 E Elm Rd, Lakeland, FL 33801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 844 sqft · built 1950
Lot Size	0.186 acres (8,111 sqft)
Owner	Individual Name on File
Last Sale	$123,000 (Oct 2020)
Tax Bill	$2,351 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-17-193000-024300`

Property Details

APN / Parcel Number

Primary APN	`24-28-17-193000-024300`
Alternative APNs	`172824193000024300` `72824000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	844 sqft Living Area
Gross Area	932 sqft
1st Floor Area	844 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Metal
Lot Area	8,111 sqft (0.186 acres)
Lot Dimensions	135 ft deep x 60 ft wide
View / Lot	Commercial/Industrial
Porch	Florida Room
Porch Area	88 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	1818 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 LOT 30
Legal Range	24E
Legal Township	28S
Legal Section	17
Legal Subdivision	SHORE ACRES
Legal Tract	193000
Legal Block	24
Legal Lot Number	30
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1033
Census Tract	10300

Owner

1818 E Elm Rd is owned and occupied by an individual who bought it in October 2020.

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	1818 E ELM RD, LAKELAND, FL 33801-2326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Oct 5, 2020	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS
Mar 30, 2017	Warranty Deed, Transfer HOME SOLUTION TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2020 · Amount on File
Deed Sale	Oct 5, 2020 · Amount on File
Prior Sale	Mar 30, 2017 · Amount on File
Deed Document Number	2020208327
Deed Book / Page	11400 / 719
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Aug 28, 2026
Property Address	1818 E ELM RD, LAKELAND, FL 33801-2326
Document Number	0000210448
Book / Page	14134 / 1112
Instrument Date	Aug 24, 2026
Instrument	2026210448
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1818 E ELM RD, LAKELAND, FL 33801-2326
Investor	Possibly a Property Investor

Mortgage

Document Number	0000210448,
Date	Aug 28, 2026
Book Page	14134/1112
Instrument	2026210448

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 5, 2020
Property Address	1818 E ELM RD, LAKELAND, FL 33801-2326
Document Number	0114000719
Book / Page	011400 / 000719
Instrument Date	Sep 11, 2020
Instrument	208327
Transaction Type	Transfer
Record Updated	Oct 29, 2020
Title Company	GOLDEN RULE TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$861.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1818 E ELM RD LAKELAND FL 338012326, LAKELAND, FL 33801-2326

Mortgage

Document Number	114000721
Date	Oct 5, 2020
Book Page	011400/000721
Instrument	208328

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 4, 2050

Mortgage

Document Number	114000735,
Date	Oct 5, 2020
Book Page	011400/000735
Instrument	208329

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 4, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 30, 2017
Property Address	1818 E ELM RD, LAKELAND, FL 33801-2326
Document Number	0101041967
Book / Page	010104 / 001967
Instrument Date	Mar 22, 2017
Instrument	60437
Transaction Type	Transfer
Record Updated	Jun 28, 2017
Title Company	HOME SOLUTION TITLE INC

Transaction

Amount	Amount on Record
Tax	$399.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1833 SIR HENRYS TRL LAKELAND FL 338095034, LAKELAND, FL 33809-5034

Tax Assessment & Valuation

The 2025 property tax bill for 1818 E Elm Rd was $2,351.

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		$131,837 (+1.12%) Land $33,656 Building $98,181	$131,837 (+1.12%) Land $33,656 Building $98,181
2025	$2,351.00	$130,374 Land $19,453 Building $110,921	$130,374 Land $19,453 Building $110,921
2023	$2,134.00 (+6.12%)	$130,732 (+1.5%) Land $18,642 Building $112,090	$130,732 (+1.5%) Land $18,642 Building $112,090
2022	$2,011.00	$128,806 Land $15,806 Building $113,000	$128,806 Land $15,806 Building $113,000

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

Flood

FEMA maps place 1818 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 1818 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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