2002 Charnes Dr, Lakeland, FL 33813 Property Records

Polk County property record for 2002 Charnes Dr, Lakeland, FL 33813

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,222 sqft · built 1974
Lot Size	0.436 acres (18,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Oct 2022)
Tax Bill	$4,836 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-29-05-274660-002190`

Property Details

APN / Parcel Number

Primary APN	`24-29-05-274660-002190`
Alternative APNs	`052924274660002190` `52924000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,222 sqft Living Area
Gross Area	2,750 sqft
1st Floor Area	2,222 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	18,970 sqft (0.436 acres)
Lot Dimensions	130 ft deep x 87 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	528 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	450 sqft
Porch	Unfinished Open Porch
Porch Area	18 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2002 CHARNES DR
City	LAKELAND
State	FL
Zip	33813-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA1
Legal Description	SCOTTSWOOD EAST UNIT NO 1 PB 61 PG 12 BLOCK B LOT 19
Legal Range	24E
Legal Township	29S
Legal Section	05
Legal Subdivision	SCOTTSWOOD EAST UNIT #1
Legal Tract	274660
Legal Block	B
Legal Lot Number	19
Legal Unit	1
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2011
Census Tract	10603

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2002 CHARNES DR, LAKELAND, FL 33813-2412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Warranty Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE CORP
Sep 20, 2019	Quit Claim Deed, Transfer · Conventional Mortgage MIDFLORIDA CU ISAOA
Nov 19, 2018	Warranty Deed, Transfer · Conventional with PMI MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2022 · Amount on Record
Deed Sale	Oct 31, 2022 · Amount on Record
Prior Sale	Sep 20, 2019 · Amount on Record
Deed Document Number	2022286185
Deed Book / Page	12468 / 1803
Prior Transfer Date	Sep 12, 2019
Prior Transfer Doc	0000200245
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 31, 2022
Property Address	2002 CHARNES DR, LAKELAND, FL 33813-2412
Document Number	0000286185
Book / Page	12468 / 1803
Map Reference	MB 61 PG 12
Instrument Date	Oct 27, 2022
Instrument	2022286185
Transaction Type	Transfer
Record Updated	Nov 10, 2022
Title Company	LAKELAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	822 FOX HILLS DR, 822, SUN CITY CENTER, FL 33573-5129

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2002 CHARNES DR, LAKELAND, FL 33813-2412

Mortgage

Document Number	0124681805
Date	Oct 31, 2022
Instrument	12468/1805

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

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

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Sep 20, 2019
Property Address	2002 CHARNES DR, LAKELAND, FL 33813-2412
Document Number	0109802224
Book / Page	010980 / 002224
Instrument Date	Sep 12, 2019
Instrument	200245
Transaction Type	Transfer
Record Updated	Oct 4, 2019
Title Company	MIDFLORIDA TITLE PROFESSIONALS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$854.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2002 CHARNES DR LAKELAND FL 338132412, LAKELAND, FL 33813-2412

Mortgage

Document Number	109802226
Date	Sep 20, 2019
Book Page	010980/002226
Instrument	200246

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-6008

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 19, 2034

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 19, 2018
Property Address	2002 CHARNES DR, LAKELAND, FL 33813-2412
Document Number	0106741772
Book / Page	010674 / 001772
Instrument Date	Nov 19, 2018
Instrument	241925
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	INTEGRITY FIRST TITLE LLC/LAKE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,813.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2002 CHARNES DR LAKELAND FL 338132412, LAKELAND, FL 33813-2412

Mortgage

Document Number	106741774
Date	Nov 19, 2018
Book Page	010674/001774
Instrument	241926

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2048

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		$335,095 (+2.7%)	$348,711 (+6.87%) Land $35,000 Building $313,711
2025	$4,836.00 (+3.71%)	$326,285 (+4.11%) Land $35,000 Building $291,285	$326,285 (+4.11%) Land $35,000 Building $291,285
2023	$4,663.00 (+63.38%) Homeowner's exemption	$313,394 (+58.39%) Land $34,000 Building $279,394	$313,394 (-3.42%) Land $34,000 Building $279,394
2022	$2,854.00 Homeowner's exemption	$197,864	$324,492 Land $32,000 Building $292,492

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

Flood

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
Flood Insurance Cost	Premium on Record median of 52 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	52 in force
Nearby Flood Claims	3 (2002–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2022 · Hurricane Ian

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 94% 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 316 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 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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