2409 Circle Dr, Lakeland, FL 33803 Property Records

Polk County property record for 2409 Circle Dr, Lakeland, FL 33803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,209 sqft · built 1925
Lot Size	0.157 acres (6,826 sqft)
Owner	Individual Name on File
Last Sale	$273,000 (Oct 2022)
Tax Bill	$3,147 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-28-25-136000-001310`

Property Details

APN / Parcel Number

Primary APN	`23-28-25-136000-001310`
Alternative APNs	`252823136000001310` `52823000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,209 sqft Living Area
1st Floor Area	1,209 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 2010
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	6,826 sqft (0.157 acres)
Lot Dimensions	125 ft deep x 37 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	130 sqft
Carport	Carport
Carport Area	130 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	192 sqft
Shed	1 Shed
Utility Building	56 sqft

Location & Zoning

Street Address	2409 CIRCLE DR
City	LAKELAND
State	FL
Zip	33803-3806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Description	OAKDALE SUBDIVISION PB 8 PG 44 BLK A LOT 31
Legal Range	23E
Legal Township	28S
Legal Section	25
Legal Subdivision	OAKDALE SUBDIVISION
Legal Tract	136000
Legal Block	A
Legal Lot Number	31
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	3
Census Block	3010
Census Tract	10701

Owner

2409 Circle Dr is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2409 CIRCLE DR, LAKELAND, FL 33803-3806
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 26, 2019	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2022 · Amount on File
Deed Sale	Oct 7, 2022 · Amount on File
Prior Sale	Sep 26, 2019 · Amount on File
Deed Document Number	2022267557
Deed Book / Page	12443 / 1505
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 7, 2022
Property Address	2409 CIRCLE DR, LAKELAND, FL 33803-3806
Document Number	0000267557
Book / Page	12443 / 1505
Map Reference	MB 8 PG 44
Instrument Date	Oct 5, 2022
Instrument	2022267557
Transaction Type	Transfer
Record Updated	Oct 19, 2022
Title Company	SMART TITLE II LLC, SMART TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,911.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2488 AULD SCOT BLVD, 2488, OCOEE, FL 34761-8920

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2409 CIRCLE DR, LAKELAND, FL 33803-3806

Mortgage

Document Number	0124431507
Date	Oct 7, 2022
Instrument	12443/1507

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2409 CIRCLE DR, LAKELAND, FL 33803-3806
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2409 CIRCLE DR, LAKELAND, FL 33803-3806

Mortgage

Document Number	0000242074
Date	Sep 16, 2021
Book Page	11895/906
Instrument	2021242074

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 26, 2019
Property Address	2409 CIRCLE DR, LAKELAND, FL 33803-3806
Document Number	0109861973
Book / Page	010986 / 001973
Instrument Date	Sep 20, 2019
Instrument	204533
Transaction Type	Transfer
Record Updated	Oct 9, 2019
Title Company	SMART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2409 CIRCLE DR LAKELAND FL 338033806, LAKELAND, FL 33803-3806

Mortgage

Document Number	109861975
Date	Sep 26, 2019
Book Page	010986/001975
Instrument	204534

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2409 Circle Dr was $3,147 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		$202,683 (-6.87%) Land $40,950 Building $161,733	$202,683 (-6.87%) Land $40,950 Building $161,733
2025	$3,147.00 Homeowner's exemption	$217,636 Land $40,950 Building $176,686	$217,636 Land $40,950 Building $176,686
2023	$3,258.00 (+68.55%) Homeowner's exemption	$221,311 (+49.81%) Land $39,585 Building $181,726	$221,311 (+4.64%) Land $39,585 Building $181,726
2022	$1,933.00 Homeowner's exemption	$147,730	$211,497 Land $37,537 Building $173,960

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2409 Circle Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force

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 2409 Circle Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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