2079 Windward Pass, Lakeland, FL 33813 Property Records

Polk County property record for 2079 Windward Pass, Lakeland, FL 33813

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,248 sqft · built 1994
Lot Size	0.098 acres (4,260 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jun 2022)
Tax Bill	$2,858 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-29-05-274711-000400`

Property Details

APN / Parcel Number

Primary APN	`24-29-05-274711-000400`
Alternative APNs	`052924274711000400` `52924000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,248 sqft Living Area
Gross Area	1,628 sqft
1st Floor Area	1,248 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	4,260 sqft (0.098 acres)
Lot Dimensions	116 ft deep x 37 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	380 sqft
Porch	Screened/Unfinished Porch
Porch Area	92 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2079 WINDWARD PASS
City	LAKELAND
State	FL
Zip	33813-1335
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	WATERVIEW SUB PB 80 PGS 7 & 8 LOT 40
Legal Range	24E
Legal Township	29S
Legal Section	05
Legal Subdivision	WATERVIEW SUBDIVISION
Legal Tract	274711
Legal Block	2
Legal Lot Number	40
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2002
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	190 HAINESPORT DR, LAKE ALFRED, FL 33850-2329
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST MERCHANTS BANK
Jun 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC
Jan 3, 2020	Deed of Trust, Mortgage · Conventional with PMI MORTGAGE FIRM
Feb 21, 2018	Warranty Deed, Transfer · FHA Mortgage THE MTG FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2022 · Amount on Record
Deed Sale	Jun 10, 2022 · Amount on Record
Prior Sale	Feb 21, 2018 · Amount on Record
Deed Document Number	2022159673
Deed Book / Page	12292 / 1252
Prior Transfer Date	Jun 22, 2005
Prior Transfer Doc	0000254101
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 10, 2022
Property Address	2079 WINDWARD PASS, LAKELAND, FL 33813-1335
Document Number	0000159673
Book / Page	12292 / 1252
Map Reference	MB 80 PG 7&8
Instrument Date	Jun 7, 2022
Instrument	2022159673
Transaction Type	Transfer
Record Updated	Jun 27, 2022
Title Company	SMART TITLE II LLC, SMART TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 SW FEDERAL CT, 304, FORT WHITE, FL 32038-4445

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2079 WINDWARD PASS, LAKELAND, FL 33813-1335

Mortgage

Document Number	0122921254
Date	Jun 10, 2022
Instrument	12292/1254

Lender

Name	FIRST MERCHANTS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jul 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.75%
Index	Other
Margin	3
Max Rate	9.75%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2079 WINDWARD PASS, LAKELAND, FL 33813-1335
Transaction Type	Mortgage
Record Updated	Jul 5, 2021
Title Company	FIRST INTERNATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2079 WINDWARD PASS, LAKELAND, FL 33813-1335

Mortgage

Document Number	0000162799
Date	Jun 23, 2021
Book Page	11772/1394
Instrument	2021162799

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2079 WINDWARD PASS, LAKELAND, FL 33813-1335
Document Number	0111040311
Instrument Date	Jan 3, 2020
Transaction Type	Mortgage
Record Updated	Feb 4, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2079 WINDWARD PASS LAKELAND FL 338131335, LAKELAND, FL 33813-1335

Mortgage

Document Number	0111040311
Date	Jan 10, 2020
Book Page	011104/000311
Instrument	7633

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jan 9, 2035

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 21, 2018
Property Address	2079 WINDWARD PASS, LAKELAND, FL 33813-1335
Document Number	0104030615
Book / Page	010403 / 000615
Instrument Date	Feb 16, 2018
Instrument	39606
Transaction Type	Transfer
Record Updated	Mar 9, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,071.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2079 WINDWARD PASS LAKELAND FL 338131335, LAKELAND, FL 33813-1335

Mortgage

Document Number	104030616
Date	Feb 21, 2018
Book Page	010403/000616
Instrument	39607

Lender

Name	THE MTG FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 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		$225,045 (+11.6%) Land $44,000 Building $181,045	$225,045 (+11.6%) Land $44,000 Building $181,045
2025	$2,858.00 (-16.6%) Homeowner's exemption	$201,655 (-15.92%) Land $44,000 Building $157,655	$201,655 (-15.92%) Land $44,000 Building $157,655
2024	$3,427.00 (-4.67%)
2023	$3,595.00 (+121.78%) Homeowner's exemption	$239,823 (+83.4%) Land $42,000 Building $197,823	$239,823 (+20.15%) Land $42,000 Building $197,823
2022	$1,621.00	$130,762	$199,607 Land $40,000 Building $159,607

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

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Hotwire Communications.

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