Polk County property record for 21 Sugar Pine Loop, Lake Wales, FL 33898
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,610 sqft · built 1996 |
| Lot Size | 2.6 acres (113,513 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $203,500 (Nov 2018) |
| Tax Bill | $2,016 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-30-17-992700-000210 |
| Primary APN | 29-30-17-992700-000210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,610 sqft Living Area |
| 1st Floor Area | 1,610 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 113,513 sqft |
| View / Lot | Commercial/Industrial |
| Garage Type | Detached |
| Garage Area | 1,152 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Porch | Porch |
| Porch Area | 96 sqft |
| Patio Area | 54 sqft |
| Cooling System | Central |
|---|
| Street Address | 21 SUGAR PINE LOOP |
|---|---|
| City | LAKE WALES |
| State | FL |
| Zip | 33898-7075 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE RIDGE PB 82 PG 13 LOT 21 |
| Legal Range | 29E |
| Legal Township | 30S |
| Legal Section | 17 |
| Legal Subdivision | PINE RIDGE |
| Legal Tract | 992700 |
| Legal Block | 1 |
| Legal Lot Number | 21 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 15600 |
21 Sugar Pine Loop is owned and occupied by two individuals who bought it in November 2018.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 SUGAR PINE LOOP, LAKE WALES, FL 33898-7075 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 29, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Jan 7, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Nov 6, 2018 | Warranty Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2018 · Amount on File |
| Deed Sale | Nov 6, 2018 · Amount on File |
| Prior Sale | Jun 4, 1999 · Amount on File |
| Deed Document Number | 2018233543 |
| Deed Book / Page | 10663 / 2116 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 21 SUGAR PINE LOOP, LAKE WALES, FL 33898-7075 |
| Document Number | 0114470643 |
| Instrument Date | Oct 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 21 SUGAR PINE LOOP LAKE WALES FL 338987075, LAKE WALES, FL 33898-7075 |
| Document Number | 0114470643 |
|---|---|
| Date | Nov 6, 2020 |
| Book Page | 011447/000643 |
| Instrument | 238515 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 5, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 21 SUGAR PINE LOOP, LAKE WALES, FL 33898-7075 |
| Document Number | 0111091897 |
| Instrument Date | Jan 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 21 SUGAR PINE LOOP LAKE WALES FL 338987075, LAKE WALES, FL 33898-7075 |
| Document Number | 0111091897 |
|---|---|
| Date | Jan 16, 2020 |
| Book Page | 011109/001897 |
| Instrument | 11758 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 15, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 6, 2018 |
| Property Address | 21 SUGAR PINE LOOP, LAKE WALES, FL 33898-7075 |
| Document Number | 0106632116 |
| Book / Page | 010663 / 002116 |
| Instrument Date | Nov 2, 2018 |
| Instrument | 233543 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,424.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 21 SUGAR PINE LOOP LAKE WALES FL 338987075, LAKE WALES, FL 33898-7075 |
| Document Number | 106632118 |
|---|---|
| Date | Nov 6, 2018 |
| Book Page | 010663/002118 |
| Instrument | 233544 |
| Name | HOME SOLUTION LENDERS |
|---|---|
| Type | Funding / Finance Company |
| Address | BARTOW, FL 33830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 5, 2048 |
The 2025 property tax bill for 21 Sugar Pine Loop was $2,016 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 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 |
|---|---|---|---|
| 2026 | $200,902 (+2.7%) | $242,288 (+5.72%) Land $24,595 Building $217,693 | |
| 2025 | $2,016.00 Homeowner's exemption | $195,620 | $229,171 Land $24,595 Building $204,576 |
| 2023 | $2,393.00 (+3.5%) Homeowner's exemption | $184,570 (+3%) | $234,541 (-1.05%) Land $23,845 Building $210,696 |
| 2022 | $2,312.00 Homeowner's exemption | $179,194 | $237,021 Land $19,831 Building $217,190 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Sugar Pine Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 28 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 28 (1982–2024) |
| Claims Outside the SFHA | 7 of 28 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
Wildfire risk around 21 Sugar Pine Loop is high, ranking above 84% of the US, with a 0.8% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 84% of the US · above 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.8% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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