1858 E Elm Rd, Lakeland, FL 33801 Property Records

Polk County property record for 1858 E Elm Rd, Lakeland, FL 33801

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,234 sqft · built 1948
Lot Size	0.196 acres (8,555 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Jul 2026)
Tax Bill	$2,211 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-28-17-193000-024390`

Property Details

APN / Parcel Number

Primary APN	`24-28-17-193000-024390`
Alternative APNs	`172824193000024390` `72824000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,234 sqft Living Area
1st Floor Area	1,234 sqft
Flooring	Terrazzo
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	8,555 sqft (0.196 acres)
Lot Dimensions	133 ft deep x 61 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	407 sqft
Carport	Carport
Carport Area	407 sqft
Porch	Unfinished Open Porch
Porch Area	136 sqft
Utility Building	143 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	1858 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 39
Legal Range	24E
Legal Township	28S
Legal Section	17
Legal Subdivision	SHORE ACRES
Legal Tract	193000
Legal Block	24
Legal Lot Number	39
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1033
Census Tract	10300

Owner

1858 E Elm Rd is owned and occupied by two individuals who bought it in July 2026.

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	2 Individual Names on File
Mailing Address	1858 E ELM RD, LAKELAND, FL 33801-2326
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK
Sep 26, 2018	Deed of Trust, Mortgage BOWERHAUS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2026 · Amount on File
Deed Sale	Jul 15, 2026 · Amount on File
Prior Sale	Sep 24, 2008 · Amount on File
Deed Document Number	2026168638
Deed Book / Page	14076 / 1434
Prior Transfer Date	Sep 17, 2008
Prior Transfer Doc	0000162157
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 15, 2026
Property Address	1858 E ELM RD, LAKELAND, FL 33801-2326
Document Number	0000168638
Book / Page	14076 / 1434
Instrument Date	Jul 6, 2026
Instrument	2026168638
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130,795.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1858 E ELM RD, LAKELAND, FL 33801-2326

Mortgage

Document Number	0000168639,
Date	Jul 15, 2026
Instrument	2026168639

Lender

Name	PLAINS COMMERCE BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000168640,
Date	Jul 15, 2026
Book Page	14076/1450
Instrument	2026168640

Lender

Name	HOUSING FINANCE CORPORATION FLORIDA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1858 E ELM RD, LAKELAND, FL 33801-2326
Document Number	0106321060
Instrument Date	Sep 26, 2018
Transaction Type	Mortgage
Record Updated	Oct 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6 SHANNON BAYWEST SAINT PAUL

Mortgage

Document Number	0106321060
Date	Oct 4, 2018
Book Page	010632/001060
Instrument	210274

Lender

Name	BOWERHAUS LLC
Address	5337 N SOCRUM LOOP RD # 105, LAKELAND, FL 33809-4256

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1858 E Elm Rd was $2,211.

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		$107,050 (+1%)	$204,272 (+11.3%) Land $35,478 Building $168,794
2025	$2,211.00	$97,318	$183,541 Land $20,463 Building $163,078
2023	$2,004.00 (+6.03%)	$179,990 (+4.46%) Land $19,608 Building $160,382	$179,990 (+4.46%) Land $19,608 Building $160,382
2022	$1,890.00	$172,303 Land $16,627 Building $155,676	$172,303 Land $16,627 Building $155,676

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

Flood

FEMA maps place 1858 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 1858 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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