2306 Sebago Dr, Lakeland, FL 33805 Property Records

Polk County property record for 2306 Sebago Dr, Lakeland, FL 33805

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,127 sqft · built 2015
Lot Size	0.348 acres (15,155 sqft)
Owner	2 Individual Names on File
Last Sale	$401,300 (Mar 2023)
Tax Bill	$2,837 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Nov 2022 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-27-21-161758-000240`

Property Details

APN / Parcel Number

Primary APN	`24-27-21-161758-000240`
Alternative APNs	`212724161758000240` `12724000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,127 sqft Living Area
Gross Area	2,754 sqft
1st Floor Area	2,127 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	15,155 sqft (0.348 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	627 sqft
Porch	Finished/Open Porch
Porch Area	349 sqft

Location & Zoning

Street Address	2306 SEBAGO DR
City	LAKELAND
State	FL
Zip	33805-8005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGES AT BRIDGEWATER VILLAGE 1 PB 152 PGS 4 & 5 LOT 24
Legal Range	24E
Legal Township	27S
Legal Section	21
Legal Subdivision	VILLAGES AT BRIDGEWATER VILLAGE 1
Legal Tract	161758
Legal Block	3
Legal Lot Number	24
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	3
Census Block	3008
Census Tract	11502

Owner

2306 Sebago Dr is owned and occupied by two individuals who bought it in March 2023.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2306 SEBAGO DR, LAKELAND, FL 33805-8005
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Special Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Nov 21, 2022	Special Warranty Deed, Foreclosure ATTORNEY ONLY, ATTORNEY
Jul 5, 2018	Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2023 · Amount on File
Deed Sale	Mar 7, 2023 · Amount on File
Prior Sale	Jun 28, 2022 · Amount on File
Deed Document Number	202352668
Deed Book / Page	12605 / 1276
Record Updated	Oct 29, 2026

March 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 7, 2023
Property Address	2306 SEBAGO DR, LAKELAND, FL 33805-8005
Document Number	0000052668
Book / Page	12605 / 1276
Map Reference	MB 152 PG 4&5
Instrument Date	Mar 3, 2023
Instrument	2023052668
Transaction Type	Transfer
Record Updated	Mar 17, 2023
Title Company	SWAN CITY TITLE CO LLC, SWAN CITY TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,809.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 MARIETTA ST NW, ATLANTA, GA 30303-2812

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3209 CHERRY HILL CIR S, LAKELAND, FL 33810-0376

Mortgage

Document Number	0126051278
Date	Mar 7, 2023
Instrument	12605/1278

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

November 2022: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 21, 2022
Property Address	2306 SEBAGO DR, LAKELAND, FL 33805-8005
Document Number	0000302817
Book / Page	12490 / 1163
Map Reference	MB 152 PG 4&5
Instrument Date	Jul 6, 2022
Instrument	2022302817
Transaction Type	Foreclosure
Record Updated	Dec 6, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 N CLASSEN BLVD STE 3200, 3200, OKLAHOMA CITY, OK 73106-6034
Investor	Possibly a Property Investor

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 5, 2018
Property Address	2306 SEBAGO DR, LAKELAND, FL 33805-8005
Document Number	0105391403
Book / Page	010539 / 001403
Instrument Date	Jul 2, 2018
Instrument	143414
Transaction Type	Transfer
Record Updated	Jul 19, 2018
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2306 SEBAGO DR LAKELAND FL 338058005, LAKELAND, FL 33805-8005

Mortgage

Document Number	105391405
Date	Jul 5, 2018
Book Page	010539/001405
Instrument	143415

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 4, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2306 Sebago Dr was $2,837 with a homeowner's exemption.

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		$205,856 (+2.7%)	$341,394 (-1.92%) Land $95,000 Building $246,394
2025	$2,837.00 Homeowner's exemption	$200,444	$348,082 Land $95,000 Building $253,082
2023	$8,956.00 (+16.98%)	$358,688 (+15.37%) Land $88,000 Building $270,688	$358,688 (+15.37%) Land $88,000 Building $270,688
2022	$7,656.00	$310,913 Land $74,000 Building $236,913	$310,913 Land $74,000 Building $236,913

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

FEMA maps place 2306 Sebago Dr in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 58 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	58 in force
Nearby Flood Claims	3 (2022–2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton

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

Wildfire risk around 2306 Sebago Dr is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, T-Mobile.

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