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2103 Clyde St, Lakeland, FL 33815 Property Records

Polk County property record for 2103 Clyde St, Lakeland, FL 33815

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,373 sqft · built 1925
Lot Size0.328 acres (14,279 sqft)
Owner2 Individual Names on Record
Last Sale$270,000 (Aug 2024)
Tax Bill$2,282 (2025)
Deeds & MortgagesJan 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN23-28-22-091500-006070

Property Details

APN / Parcel Number

Primary APN23-28-22-091500-006070
Alternative APNs
  • 222823091500006070
  • 22823000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,373 sqft Living Area
Gross Area1,201 sqft
1st Floor Area981 sqft
FlooringTile
Interior WallsWood

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 2015
Exterior MaterialWood
Construction TypeWood
Foundation TypePier/Post & Beam
Roof TypeGambrel
Roof MaterialOther
Lot Area14,279 sqft (0.328 acres)
Lot Dimensions120 ft deep x 119 ft wide
View / LotCommercial/Industrial
PorchFlorida Room
Porch Area392 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address2103 CLYDE ST
CityLAKELAND
StateFL
Zip33815-3609
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionGARDEN HOMES PB 21 PG 7 BLK F LOTS 7 & 8
Legal Range23E
Legal Township28S
Legal Section22
Legal SubdivisionGARDEN HOMES
Legal Tract91500
Legal BlockF
Legal Lot Number7,8
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group1
Census Block1022
Census Tract12003

Owner

Source: Polk County records, as of October 12, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address2103 CLYDE ST, LAKELAND, FL 33815-3609
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 1, 2024 · Amount on Record
Deed SaleAug 1, 2024 · Amount on Record
Prior SaleJan 12, 2022 · Amount on Record
Deed Document Number2024177910
Deed Book / Page13213 / 1864
Record UpdatedOct 29, 2026

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJan 12, 2022
Property Address2103 CLYDE ST, LAKELAND, FL 33815-3609
Document Number0000009849
Book / Page12069 / 768
Map ReferenceMB 21 PG 7
Instrument DateDec 31, 2021
Instrument2022009849
Transaction TypeTransfer
Record UpdatedFeb 1, 2022
Title CompanySMART TITLE II LLC, SMART TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,540.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2571 STATE ROAD 60 W, 2571, BARTOW, FL 33830-9324

Transferred To (Grantee/Buyer)

NameVerified Name
Address2103 CLYDE ST, LAKELAND, FL 33815-3609

Mortgage

Document Number0012069770
DateJan 12, 2022
Instrument12069/770
Lender
NameHOMETOWN LENDERS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2052

Mortgage

Document Number0000009851
DateJan 12, 2022
Book Page12069/781
Instrument2022009851
Lender
NameFLORIDA HOUSING FINANCE CORP
TypeGovernment Agency
AddressTALLAHASSEE, FL 32301
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$152,314 (-10.38%) Land $15,744 Building $136,570$152,314 (-10.38%) Land $15,744 Building $136,570
2025$2,282.00 (+1.69%)$169,959 (+0.61%) Land $15,744 Building $154,215$169,959 (+0.61%) Land $15,744 Building $154,215
2023$2,244.00 (-7.88%) Homeowner's exemption$168,933 (+17.73%) Land $15,161 Building $153,772$168,933 (+17.73%) Land $15,161 Building $153,772
2022$2,436.00$143,495 Land $12,828 Building $130,667$143,495 Land $12,828 Building $130,667

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 22 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies22 in force
Nearby Flood Claims12 (1994–2024)
Claims Outside the SFHA10 of 12
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 4 claims
  • Hurricane Frances, Sep 2004 · 2 claims

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 RiskModerate
above 60% of the US · lower than 66% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within 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 SystemCITY OF LAKELAND
serves 193,297 people · EPA ID FL6531014
Water SourceGroundwater
Last State InspectionJul 2022
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 321 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

May also be available: Frontier, Verizon.

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