2525 Ralph Rd, Lakeland, FL 33801 Property Records

Polk County property record for 2525 Ralph Rd, Lakeland, FL 33801

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,133 sqft · built 2009
Lot Size	0.213 acres (9,261 sqft)
Owner	Individual Name on File
Last Sale	$157,000 (Jul 2020)
Tax Bill	$1,213 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-28-09-000000-011026`

Property Details

APN / Parcel Number

Primary APN	`24-28-09-000000-011026`
Alternative APNs	`092824000000011026` `92824000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,133 sqft Living Area
1st Floor Area	1,133 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	9,261 sqft (0.213 acres)
Lot Dimensions	95 ft deep x 97 ft wide
View / Lot	Commercial/Industrial
Porch	Screened/Unfinished Porch
Porch Area	99 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	2525 RALPH RD
City	LAKELAND
State	FL
Zip	33801-9208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BEG NE COR OF NE1/4 OF NE1/4 OF NE1/4 RUN W 194.1 FT FOR POB CONT W 97.5 FT S 120 FT E 97.5 FT N 120 FT TO POB
Legal Range	24E
Legal Township	28S
Legal Section	09
Legal Subdivision	BOYD SUBDIVISION
Legal Tract	000000
Legal Block	1
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1012
Census Tract	11501

Owner

2525 Ralph Rd is owned and occupied by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2525 RALPH RD, LAKELAND, FL 33801-9208
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2020 · Amount on File
Deed Sale	Jul 10, 2020 · Amount on File
Deed Document Number	2020138144
Deed Book / Page	11294 / 1472
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 10, 2020
Property Address	2525 RALPH RD, LAKELAND, FL 33801-9208
Document Number	0112941472
Book / Page	011294 / 001472
Instrument Date	Jun 30, 2020
Instrument	138144
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	GOLDEN RULE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,099.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2525 RALPH RD LAKELAND FL 338019208, LAKELAND, FL 33801-9208

Mortgage

Document Number	112941474
Date	Jul 10, 2020
Book Page	011294/001474
Instrument	138145

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2525 Ralph Rd was $1,213 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		$134,497 (+2.7%)	$164,170 (+2.79%) Land $9,065 Building $155,105
2025	$1,213.00 Homeowner's exemption	$130,961	$159,716 Land $9,065 Building $150,651
2023	$1,626.00 (+4.23%) Homeowner's exemption	$123,563 (+3%)	$161,510 (-0.87%) Land $8,633 Building $152,877
2022	$1,560.00 Homeowner's exemption	$119,964	$162,935 Land $7,338 Building $155,597

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

Flood

FEMA maps place 2525 Ralph Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2017.

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 6 (20% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (2017–2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 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 2525 Ralph Rd is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond 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 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 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20