Polk County property record for 2005 Sutton Rd, Lakeland, FL 33810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 984 sqft · built 1961 |
| Lot Size | 0.428 acres (18,639 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $115,000 (May 2009) |
| Tax Bill | $413 (2025) |
| Deeds & Mortgages | Apr 2024 Reverse Mortgage Jan 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-28-04-000000-024015 |
| Primary APN | 23-28-04-000000-024015 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 984 sqft Living Area |
| Gross Area | 1,560 sqft |
| 1st Floor Area | 984 sqft |
| Flooring | Tile |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 18,639 sqft (0.428 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 297 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 480 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 2005 SUTTON RD |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33810-0645 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S1/2 OF N 1 AC OF S 21/2 AC OF W 5 AC OF SW1/4 OF SE1/4 LESS W 25 FT FOR SUTTON RD |
| Legal Range | 23E |
| Legal Township | 28S |
| Legal Section | 04 |
| Legal Subdivision | J AND J MANOR |
| Legal Tract | 000000 |
| Legal Block | 2 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 12001 |
Source: Polk County records, as of August 10, 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 | 2005 SUTTON RD, LAKELAND, FL 33810-0645 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 30, 2024 | Intrafamily Transfer, Transfer · Reverse Mortgage SOUTH RIVER MORTGAGE LLC |
| Jan 31, 2024 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jul 13, 2023 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Sep 5, 2019 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2009 · Amount on Record |
| Deed Sale | May 27, 2009 · Amount on Record |
| Prior Sale | Feb 23, 2009 |
| Deed Document Number | 200998719 |
| Deed Book / Page | 7892 / 1284 |
| Last Transfer Date | Apr 17, 2024 |
| Transfer Doc | 0000099233 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 30, 2024 |
| Property Address | 2005 SUTTON RD, LAKELAND, FL 33810-0645 |
| Document Number | 0000099233 |
| Book / Page | 13097 / 501 |
| Instrument Date | Apr 17, 2024 |
| Instrument | 2024099233 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2005 SUTTON RD, LAKELAND, FL 33810-0645 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2005 SUTTON RD, LAKELAND, FL 33810-0645 |
| Document Number | 0013097503 |
|---|---|
| Date | Apr 30, 2024 |
| Instrument | 13097/503 |
| Name | SOUTH RIVER MORTGAGE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2005 SUTTON RD, LAKELAND, FL 33810-0645 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2005 SUTTON RD, LAKELAND, FL 33810-0645 |
| Document Number | 0000024152 |
|---|---|
| Date | Jan 31, 2024 |
| Book Page | 12991/1577 |
| Instrument | 2024024152 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 309 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2005 SUTTON RD, LAKELAND, FL 33810-0645 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2005 SUTTON RD, LAKELAND, FL 33810-0645 |
| Document Number | 0000162266 |
|---|---|
| Date | Jul 13, 2023 |
| Book Page | 12760/1555 |
| Instrument | 2023162266 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 315 Months |
| Due | Oct 1, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2005 SUTTON RD, LAKELAND, FL 33810-0645 |
| Document Number | 0110861072 |
| Instrument Date | Sep 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 2005 SUTTON RD LAKELAND FL 338100645, LAKELAND, FL 33810-0645 |
| Document Number | 0110861072 |
|---|---|
| Date | Dec 27, 2019 |
| Book Page | 011086/001072 |
| Instrument | 273572 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 26, 2049 |
| Rate | 4.62% |
|---|
Source: Polk County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $413.00 (-59.71%) | $77,158 (+5.99%) | $231,413 (+1.44%) Land $8,986 Building $222,427 |
| 2024 | $1,025.00 (+17.14%) | ||
| 2023 | $875.00 (-2.45%) Homeowner's exemption | $72,799 (+3%) | $228,134 (+18.62%) Land $8,772 Building $219,362 |
| 2022 | $897.00 Homeowner's exemption | $70,679 | $192,318 Land $7,317 Building $185,001 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 6 (20% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 56 (1988–2022) |
| Claims Outside the SFHA | 17 of 56 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 80 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 |
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