Polk County property record for 2028 Bent Tree Loop N, Lakeland, FL 33813
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,324 sqft · built 1982 |
| Lot Size | 0.181 acres (7,876 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $299,600 (Jan 2024) |
| Tax Bill | $2,970 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-29-05-274690-000720 |
| Primary APN | 24-29-05-274690-000720 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,324 sqft Living Area |
| Gross Area | 1,688 sqft |
| 1st Floor Area | 1,324 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 7,876 sqft (0.181 acres) |
| Lot Dimensions | 105 ft deep x 75 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 364 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 24 sqft |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|
| Street Address | 2028 BENT TREE LOOP N |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33813-1305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA3 |
| Legal Description | THE MEADOWS PB 65 PGS 24 THRU 26 LOT 72 |
| Legal Range | 24E |
| Legal Township | 29S |
| Legal Section | 05 |
| Legal Subdivision | MEADOWS THE |
| Legal Tract | 274690 |
| Legal Block | 2 |
| Legal Lot Number | 72 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 10603 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2028 BENT TREE LOOP N, LAKELAND, FL 33813-1305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 18, 2024 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 11, 2022 | Deed of Trust, Mortgage CAROL KOPPEY REVOCABLE LIVING TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 18, 2024 · Amount on Record |
| Deed Sale | Jan 18, 2024 · Amount on Record |
| Prior Sale | Dec 8, 1999 · Amount on Record |
| Deed Document Number | 202413167 |
| Deed Book / Page | 12976 / 979 |
| Prior Transfer Date | Jun 10, 2005 |
| Prior Transfer Doc | 0000136212 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 18, 2024 |
| Property Address | 2028 BENT TREE LOOP N, LAKELAND, FL 33813-1305 |
| Document Number | 0000013167 |
| Book / Page | 12976 / 979 |
| Map Reference | MB 65 PG 24 |
| Instrument Date | Jan 3, 2024 |
| Instrument | 2024013167 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2024 |
| Title Company | ACCESS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,097.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3830 N GALLOWAY RD, LAKELAND, FL 33810-0680 |
| Name | Verified Name |
|---|---|
| Address | 2028 BENT TREE LOOP N, LAKELAND, FL 33813-1305 |
| Document Number | 0012976981 |
|---|---|
| Date | Jan 18, 2024 |
| Instrument | 12976/981 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Number | 0000013169 |
|---|---|
| Date | Jan 18, 2024 |
| Book Page | 12976/1002 |
| Instrument | 2024013169 |
| Name | FLORIDA HOUSING FINANCE CORP |
|---|---|
| Type | Government Agency |
| Address | TALLAHASSEE, FL 32301 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2028 BENT TREE LOOP N, LAKELAND, FL 33813-1305 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 5337 N SOERUM LOOP RD #338 338, 338, LAKELAND, FL 33809-4256 |
| Document Number | 0000187326 |
|---|---|
| Date | Jul 11, 2022 |
| Book Page | 12331/1350 |
| Instrument | 2022187326 |
| Name | CAROL KOPPEY REVOCABLE LIVING TRUST |
|---|---|
| Type | Private Party |
| Amount | Amount Recorded |
|---|---|
| Term | 96 Months |
| Due | Jul 1, 2030 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Lakeland City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $204,483 (-1.61%) Land $35,000 Building $169,483 | $204,483 (-1.61%) Land $35,000 Building $169,483 | |
| 2025 | $2,970.00 (-5.86%) Homeowner's exemption | $207,819 (-1.95%) Land $35,000 Building $172,819 | $207,819 (-1.95%) Land $35,000 Building $172,819 |
| 2023 | $3,155.00 (+8.16%) | $211,951 (+7.69%) Land $34,000 Building $177,951 | $211,951 (+7.69%) Land $34,000 Building $177,951 |
| 2022 | $2,917.00 | $196,807 Land $32,000 Building $164,807 | $196,807 Land $32,000 Building $164,807 |
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 138 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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