2604 Sutton Rd, Lakeland, FL 33810 Property Records

Polk County property record for 2604 Sutton Rd, Lakeland, FL 33810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,939 sqft · built 1978
Lot Size	1.02 acres (44,758 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Jan 2019)
Tax Bill	$2,592 (2025)
Deeds & Mortgages	Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-28-04-000000-041003`

Property Details

APN / Parcel Number

Primary APN	`23-28-04-000000-041003`
Alternative APNs	`042823000000041003` `42823000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,939 sqft Living Area
Gross Area	2,515 sqft
1st Floor Area	1,804 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1995
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	44,758 sqft
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	576 sqft
Porch	Florida Room
Porch Area	150 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2604 SUTTON RD
City	LAKELAND
State	FL
Zip	33810-0653
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	BEG NE COR N1/2 OF NE1/4 OF SW1/4 RUN S 165 FT TO POB RUN W 388 FT S 120 FT E 388 FT N 120 FT TO POB LESS RD R/W
Legal Range	23E
Legal Township	28S
Legal Section	04
Legal Subdivision	J AND J MANOR
Legal Tract	000000
Legal Block	1
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1000
Census Tract	12001

Owner

2604 Sutton Rd is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2604 SUTTON RD, LAKELAND, FL 33810-0653
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	2 Names on Deed
Last Sale	Jan 8, 2019 · Amount on File
Deed Sale	Jan 8, 2019 · Amount on File
Deed Document Number	20194475
Deed Book / Page	10718 / 738
Record Updated	Oct 29, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 8, 2019
Property Address	2604 SUTTON RD, LAKELAND, FL 33810-0653
Document Number	0107180738
Book / Page	010718 / 000738
Instrument Date	Dec 27, 2018
Instrument	4475
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	ISLAND TITLE CORPORATION, ISLAND TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2604 SUTTON RD LAKELAND FL 338100653, LAKELAND, FL 33810-0653

Mortgage

Document Number	107180740
Date	Jan 8, 2019
Book Page	010718/000740
Instrument	4477

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2604 Sutton Rd was $2,592 with exemptions applied.

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		$243,461 (-0.57%)	$275,248 (-4.38%) Land $21,577 Building $253,671
2025	$2,592.00 Homeowner's exemption	$244,868	$287,865 Land $21,577 Building $266,288
2023	$2,841.00 (+6.13%) Homeowner's exemption	$240,337 (+10.03%)	$286,206 (+15.39%) Land $21,064 Building $265,142
2022	$2,677.00 Homeowner's exemption	$218,420	$248,037 Land $17,570 Building $230,467

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

Flood

FEMA maps place 2604 Sutton Rd in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2004.

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
Flood Insurance Cost	Premium on File median of 20 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	11 (2004–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 9 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 2604 Sutton Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% 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 197 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