1910 E Elm Rd, Lakeland, FL 33801 Property Records

Polk County property record for 1910 E Elm Rd, Lakeland, FL 33801

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,937 sqft · built 1953
Lot Size	0.277 acres (12,057 sqft)
Owner	2 Individual Names on File
Last Sale	$109,500 (Jan 2005)
Deeds & Mortgages	Mar 2026 Line of Credit Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-28-17-193000-024420`

Property Details

APN / Parcel Number

Primary APN	`24-28-17-193000-024420`
Alternative APNs	`172824193000024420` `72824000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,937 sqft Living Area
Gross Area	1,721 sqft
1st Floor Area	1,721 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	12,057 sqft (0.277 acres)
Lot Dimensions	131 ft deep x 80 ft wide
View / Lot	Commercial/Industrial
Porch	Screened/Unfinished Porch
Porch Area	328 sqft
Utility Building	84 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	1910 E ELM RD
City	LAKELAND
State	FL
Zip	33801-2328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Description	SHORE ACRES PB 7 PG 15 BLK 24 LOT 42
Legal Range	24E
Legal Township	28S
Legal Section	17
Legal Subdivision	SHORE ACRES
Legal Tract	193000
Legal Block	24
Legal Lot Number	42
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1033
Census Tract	10300

Owner

1910 E Elm Rd is owned and occupied by two individuals who bought it in January 2005.

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	1910 E ELM RD, LAKELAND, FL 33801-2328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Deed of Trust, Mortgage · Line of Credit GOODLEAP LC
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage GTE FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2005 · Amount on File
Deed Sale	Jan 5, 2005 · Amount on File
Prior Sale	Jul 16, 2003 · Amount on File
Deed Document Number	20052547
Deed Book / Page	6040 / 705
Prior Transfer Date	Jun 18, 2003
Prior Transfer Doc	0054340561
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1910 E ELM RD, LAKELAND, FL 33801-2328
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1910 E ELM RD, LAKELAND, FL 33801-2328

Mortgage

Document Number	0000066734
Date	Mar 20, 2026
Book Page	13924/2125
Instrument	2026066734

Lender

Name	GOODLEAP LC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1910 E ELM RD, LAKELAND, FL 33801-2328
Document Number	0113320672
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1910 E ELM RD LAKELAND FL 338012328, LAKELAND, FL 33801-2328

Mortgage

Document Number	0113320672
Date	Aug 12, 2020
Book Page	011332/000672
Instrument	163174

Lender

Name	GTE FIN'L
Type	Funding / Finance Company
Address	TAMPA, FL 33602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 11, 2035

Tax Assessment & Valuation

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		$57,377 (+2.7%)	$266,862 (+10.22%) Land $46,236 Building $220,626
2025	Homeowner's exemption Veteran's exemption	$55,869	$242,114 Land $28,536 Building $213,578
2023	Homeowner's exemption	$52,713	$237,240 Land $27,330 Building $209,910

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1910 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 1910 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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