Polk County property record for 2531 Ralph Rd, Lakeland, FL 33801
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,307 sqft · built 1963 |
| Lot Size | 0.477 acres (20,756 sqft) |
| Owner | Individual Name on File |
| Last Sale | $163,000 (Oct 2019) |
| Tax Bill | $1,214 (2025) |
| Deeds & Mortgages | Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-28-09-000000-011001 |
| Primary APN | 24-28-09-000000-011001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,307 sqft Living Area |
| 1st Floor Area | 1,307 sqft |
| Flooring | Tile |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Tar & Gravel |
| Lot Area | 20,756 sqft (0.477 acres) |
| Lot Dimensions | 135 ft deep x 153 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 373 sqft |
| Shed | 1 Shed |
| Utility Building | 294 sqft |
| Cooling System | None |
|---|
| Street Address | 2531 RALPH RD |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33801-9208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | E 193.75 FT OF N 160 FT OF SEC LESS N 25 FT & LESS E 40 FT |
| 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 |
2531 Ralph Rd is owned and occupied by an individual who bought it in October 2019.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2531 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 24, 2019 · Amount on File |
| Deed Sale | Oct 24, 2019 · Amount on File |
| Prior Sale | Jun 7, 2006 · Amount on File |
| Deed Document Number | 2019225527 |
| Deed Book / Page | 11016 / 2045 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 24, 2019 |
| Property Address | 2531 RALPH RD, LAKELAND, FL 33801-9208 |
| Document Number | 0110162045 |
| Book / Page | 011016 / 002045 |
| Instrument Date | Oct 22, 2019 |
| Instrument | 225527 |
| Transaction Type | Transfer |
| Record Updated | Nov 11, 2019 |
| Title Company | CAPSTONE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,141.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2531 RALPH RD LAKELAND FL 338019208, LAKELAND, FL 33801-9208 |
| Document Number | 110162047 |
|---|---|
| Date | Oct 24, 2019 |
| Book Page | 011016/002047 |
| Instrument | 225528 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 23, 2049 |
| Document Number | 110162061, |
|---|---|
| Date | Oct 24, 2019 |
| Book Page | 011016/002061 |
| Instrument | 225529 |
| Name | HOUSING FIN AUTH |
|---|---|
| Address | CLEARWATER, FL 33761 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 2531 Ralph Rd was $1,214 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $134,577 (+2.7%) | $201,041 (+4.17%) Land $16,547 Building $184,494 | |
| 2025 | $1,214.00 Homeowner's exemption | $131,039 | $192,989 Land $16,547 Building $176,442 |
| 2023 | $1,627.00 (+4.23%) Homeowner's exemption | $123,637 (+3%) | $191,754 (+3.14%) Land $15,759 Building $175,995 |
| 2022 | $1,561.00 Homeowner's exemption | $120,036 | $185,920 Land $13,395 Building $172,525 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2531 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 |
|
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 risk around 2531 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.
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 |
| 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.
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 |
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