1846 E Elm Rd, Lakeland, FL 33801 Property Records

Polk County property record for 1846 E Elm Rd, Lakeland, FL 33801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,126 sqft · built 1947
Lot Size	0.193 acres (8,407 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Oct 2022)
Tax Bill	$1,154 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-17-193000-024360`

Property Details

APN / Parcel Number

Primary APN	`24-28-17-193000-024360`
Alternative APNs	`172824193000024360` `72824000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,126 sqft Living Area
Gross Area	990 sqft
1st Floor Area	990 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	8,407 sqft (0.193 acres)
Lot Dimensions	134 ft deep x 59 ft wide
View / Lot	Commercial/Industrial
Porch	Enclosed/Unfinished Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	1846 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 36
Legal Range	24E
Legal Township	28S
Legal Section	17
Legal Subdivision	SHORE ACRES
Legal Tract	193000
Legal Block	24
Legal Lot Number	36
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1033
Census Tract	10300

Owner

1846 E Elm Rd is owned and occupied by an individual who bought it in October 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	1846 E ELM RD, LAKELAND, FL 33801-2326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Sep 11, 2018	Warranty Deed, Transfer · VA Mortgage WATERSTONE MTG
Sep 7, 2018	Deed of Trust, Mortgage · VA Mortgage WATERSTONE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2022 · Amount on File
Deed Sale	Oct 31, 2022 · Amount on File
Prior Sale	Sep 11, 2018 · Amount on File
Deed Document Number	2022285505
Deed Book / Page	12467 / 1785
Prior Transfer Date	Oct 1, 2011
Prior Transfer Doc	0000167053
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 31, 2022
Property Address	1846 E ELM RD, LAKELAND, FL 33801-2326
Document Number	0000285505
Book / Page	12467 / 1785
Map Reference	MB 7 PG 15
Instrument Date	Oct 26, 2022
Instrument	2022285505
Transaction Type	Transfer
Record Updated	Nov 10, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1854 E ELM RD, 1854, LAKELAND, FL 33801-2326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1846 E ELM RD, LAKELAND, FL 33801-2326

Mortgage

Document Number	0124671788
Date	Oct 31, 2022
Instrument	12467/1788

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 11, 2018
Property Address	1846 E ELM RD, LAKELAND, FL 33801-2326
Document Number	0106081395
Book / Page	010608 / 001395
Instrument Date	Sep 7, 2018
Instrument	192908
Transaction Type	Transfer
Record Updated	Sep 21, 2018
Title Company	LAKELAND TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1846 E ELM RD LAKELAND FL 338012326, LAKELAND, FL 33801-2326

Mortgage

Document Number	106081398
Date	Sep 11, 2018
Book Page	010608/001398
Instrument	192909

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2048

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1846 E ELM RD, LAKELAND, FL 33801-2326
Document Number	0106810140
Instrument Date	Sep 7, 2018
Transaction Type	Mortgage
Record Updated	Dec 17, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1854 E ELM RD LAKELAND FL 338012326, LAKELAND, FL 33801-2326

Mortgage

Document Number	0106810140
Date	Nov 28, 2018
Book Page	010681/000140
Instrument	246696

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 27, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1846 E Elm Rd was $1,154 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		$115,221 (+2.7%)	$136,103 (+21.31%) Land $34,889 Building $101,214
2025	$1,154.00 Homeowner's exemption	$112,192 Land $20,136 Building $92,056	$112,192 Land $20,136 Building $92,056
2023	$1,134.00 (-28.81%) Homeowner's exemption	$109,844 (+5.29%) Land $19,295 Building $90,549	$109,844 (+5.29%) Land $19,295 Building $90,549
2022	$1,593.00	$104,322 Land $16,361 Building $87,961	$104,322 Land $16,361 Building $87,961

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

Flood

FEMA maps place 1846 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 1846 E Elm Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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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