2425 Delphi Cir, Lakeland, FL 33812 Property Records

Polk County property record for 2425 Delphi Cir, Lakeland, FL 33812

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,087 sqft · built 2019
Lot Size	0.378 acres (16,444 sqft)
Owner	2 Individual Names on File
Last Sale	$900,000 (May 2022)
Tax Bill	$6,486 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`24-29-09-280032-000220`

Property Details

APN / Parcel Number

Primary APN	`24-29-09-280032-000220`
Alternative APNs	`092924280032000220` `92924000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,087 sqft Living Area
Gross Area	3,550 sqft
1st Floor Area	3,087 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	16,444 sqft (0.378 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	463 sqft
Pool Type	Enclosed Pool
Porch	Finished/Open Porch
Porch Area	461 sqft

Location & Zoning

Street Address	2425 DELPHI CIR
City	LAKELAND
State	FL
Zip	33812-5241
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DELPHI ADDITION PB 162 PG 6-7 LOT 22
Legal Range	24E
Legal Township	29S
Legal Section	09
Legal Subdivision	DELPHI ADDITION
Legal Block	1
Legal Lot Number	22
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1014
Census Tract	11834

Owner

2425 Delphi Cir is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2425 DELPHI CIR, LAKELAND, FL 33812-5241
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
May 13, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Aug 26, 2019	Warranty Deed, Subdivision Related Transfer BRANCH BK&TR
Nov 28, 2018	Loan Modification, Mortgage · Line of Credit REGIONS BK
Nov 28, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2022 · Amount on File
Deed Sale	May 13, 2022 · Amount on File
Prior Sale	Aug 26, 2019 · Amount on File
Deed Document Number	2022131328
Deed Book / Page	12252 / 529
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 13, 2022
Property Address	2425 DELPHI CIR, LAKELAND, FL 33812-5241
Document Number	0000131328
Book / Page	12252 / 529
Map Reference	MB 162 PG 6
Instrument Date	May 5, 2022
Instrument	2022131328
Transaction Type	Transfer
Record Updated	May 26, 2022
Title Company	NOT AVAILABLE, MILLER TROIANO TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19502 36TH DR SE, 19502, BOTHELL, WA 98012-8850

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2425 DELPHI CIR, LAKELAND, FL 33812-5241

Mortgage

Document Number	0012252531
Date	May 13, 2022
Instrument	12252/531

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2425 DELPHI CIR, LAKELAND, FL 33812-5241
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2425 DELPHI CIR, LAKELAND, FL 33812-5241

Mortgage

Document Number	0000041671
Date	Feb 18, 2021
Book Page	11585/1234
Instrument	2021041671

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

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

August 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 26, 2019
Property Address	2425 DELPHI CIR, LAKELAND, FL 33812-5241
Document Number	0109511727
Book / Page	010951 / 001727
Instrument Date	Aug 23, 2019
Instrument	179673
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,006.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2425 DELPHI CIR LAKELAND FL 338125241, LAKELAND, FL 33812-5241

Mortgage

Document Number	109511729
Date	Aug 26, 2019
Book Page	010951/001729
Instrument	179674

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2049

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	2425 DELPHI CIR, LAKELAND, FL 33812-5241
Document Number	0106812194
Instrument Date	Nov 28, 2018
Transaction Type	Mortgage
Record Updated	Dec 17, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	464 W PIPKIN RD #1 LAKELAND FL 338132699, 1, LAKELAND, FL 33813-2699
Investor	Possibly a Property Investor

Mortgage

Document Number	0106812194
Date	Nov 28, 2018
Book Page	010681/002194
Instrument	247483

Lender

Name	REGIONS BK
Type	Bank
Address	100 N TAMPA ST # 3400, TAMPA, FL 33602-5145

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 28, 2018
Property Address	2425 DELPHI CIR, LAKELAND, FL 33812-5241
Document Number	0106812192
Book / Page	010681 / 002192
Instrument Date	Nov 28, 2018
Instrument	247482
Transaction Type	Transfer
Record Updated	Dec 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$595.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 6254 LAKELAND FL 338076254, LAKELAND, FL 33807-6254
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2425 Delphi Cir was $6,486 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$556,486 (+2.7%)	$830,835 (+1.15%) Land $150,000 Building $680,835
2025	$6,486.00 Homeowner's exemption	$541,856	$821,419 Land $150,000 Building $671,419
2023	$6,934.00 (+24.51%) Homeowner's exemption	$511,248 (+24.93%)	$641,176 (+25.67%) Land $72,000 Building $569,176
2022	$5,569.00	$409,212	$510,190 Land $88,000 Building $422,190

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 2425 Delphi Cir 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	3 (2003–2004)
Most Recent Claim	Sep 2004 · Hurricane Frances
Claims by Event	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

Wildfire risk around 2425 Delphi Cir is moderate, ranking above 50% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.08% 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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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