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2405 Timbercreek Loop E, Lakeland, FL 33805 Property Records

Polk County property record for 2405 Timbercreek Loop E, Lakeland, FL 33805

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,351 sqft · built 1990
Lot Size0.298 acres (12,959 sqft)
Owner2 Company Names on File
Last Sale$309,900 (Apr 2026)
Tax Bill$400 (2025)
Deeds & MortgagesMar 2021 Mortgage
Apr 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN24-28-02-164950-000360

Property Details

APN / Parcel Number

Primary APN24-28-02-164950-000360
Alternative APNs
  • 022824164950000360
  • 22824000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,351 sqft Living Area
Gross Area1,750 sqft
1st Floor Area1,351 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area12,959 sqft (0.298 acres)
Lot Dimensions172 ft deep x 75 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area399 sqft
PorchUnfinished Open Porch
Porch Area64 sqft
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address2405 TIMBERCREEK LOOP E
CityLAKELAND
StateFL
Zip33805-7610
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTIMBERCREEK SUB PB 76 PG 31 LOT 36
Legal Range24E
Legal Township28S
Legal Section02
Legal SubdivisionTIMBERCREEK SUBDIVISION
Legal Tract164950
Legal Block1
Legal Lot Number36
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group1
Census Block1060
Census Tract11606

Owner

Source: Polk County records · APN 24-28-02-164950-000360

Assessment roll updated June 23, 2026 · Last verified July 2026

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

Owner of Record2 Company Names on File
Mailing Address2405 TIMBERCREEK LOOP E, LAKELAND, FL 33805-7610
Owner TypeCompany
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Mar 11, 2021Deed of Trust, Mortgage · Conventional Mortgage
BESTWAY MORTGAGE CORP
Apr 06, 2026Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 06, 2026 · Amount on Record
Deed SaleApr 06, 2026 · Amount on Record
Deed Document Number202679277
Deed Book / Page13944 / 410
Record UpdatedSep 20, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address2405 TIMBERCREEK LOOP E, LAKELAND, FL 33805-7610
Transaction TypeMortgage
Record UpdatedApr 20, 2026
Title CompanyEXPRESS TITLE, EXPRESS TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address2405 TIMBERCREEK LOOP E, LAKELAND, FL 33805-7610

Mortgage

Document Number0000063188
DateMar 11, 2021
Book Page11619/233
Instrument2021063188
Lender
NameBESTWAY MORTGAGE CORP
TypeMortgage Company
AddressWOLCOTT, CT 06716
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueApr 01, 2036

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateApr 06, 2026
Property Address2405 TIMBERCREEK LOOP E, LAKELAND, FL 33805-7610
Document Number0000079277
Book / Page13944 / 410
Instrument DateMar 25, 2026
Instrument202679277
Transaction TypeTransfer
Record UpdatedJul 02, 2026
Title CompanyADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SERVICES

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$219,099.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address2405 TIMBERCREEK LOOP E, LAKELAND, FL 33805-7610

Mortgage

Document Number0000079278,
DateApr 06, 2026
Instrument202679278
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2056
Interest
Rate6.25%
Max Rate-1%

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$400.00 (-61.65%) Homeowner's exemption$64,594 (+5.99%)$234,208 (-1.54%) Land $31,000 Building $203,208
2024$1,043.00 (+15.25%)
2023$905.00 (+5.36%) Homeowner's exemption$60,946 (+3%)$237,874 (+19.03%) Land $30,000 Building $207,874
2022$859.00 Homeowner's exemption$59,171$199,848 Land $16,000 Building $183,848

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 21 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies21 in force
Nearby Flood Claims5 (2024)
Claims Outside the SFHA4 of 5
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 5 claims

Wildfire

Wildfire RiskHigh
above 73% of the US · above 57% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
T-Mobile USA
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

Based on FCC filings for 149 locations within half a mile of this property.

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