Polk County property record for 2809 Berkeley Ave, Lakeland, FL 33803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,644 sqft · built 1955 |
| Lot Size | 0.257 acres (11,212 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,000 (Mar 2019) |
| Tax Bill | $3,248 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Mar 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-28-29-250500-002020 |
| Primary APN | 24-28-29-250500-002020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,644 sqft Living Area |
| 1st Floor Area | 1,644 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 11,212 sqft (0.257 acres) |
| Lot Dimensions | 115 ft deep x 97 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 300 sqft |
| Carport | Carport |
| Carport Area | 300 sqft |
| Porch | Porch |
| Porch Area | 44 sqft |
| Patio Area | 143 sqft |
| Cooling System | Central |
|---|
| Street Address | 2809 BERKELEY AVE |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33803-3211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA1 |
| Legal Description | CHEROKEE PLACE SUB PB 14 PG 44 BLK 2 LOT 2 & N1/2 OF 3 |
| Legal Range | 24E |
| Legal Township | 28S |
| Legal Section | 29 |
| Legal Subdivision | CHEROKEE PLACE SUBDIVISION |
| Legal Tract | 250500 |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 10502 |
2809 Berkeley Ave is owned and occupied by an individual who bought it in March 2019.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2809 BERKELEY AVE, LAKELAND, FL 33803-3211 |
| 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.
| Date | Document |
|---|---|
| Nov 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Mar 13, 2019 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 13, 2019 · Amount on File |
| Deed Sale | Mar 13, 2019 · Amount on File |
| Prior Sale | Jun 10, 2013 · Amount on File |
| Deed Document Number | 201950485 |
| Deed Book / Page | 10776 / 1385 |
| Prior Transfer Date | Apr 5, 2013 |
| Prior Transfer Doc | 0000064204 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2809 BERKELEY AVE, LAKELAND, FL 33803-3211 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2021 |
| Title Company | PEER TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 2809 BERKELEY AVE, LAKELAND, FL 33803-3211 |
| Document Number | 0000310073 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 12002/319 |
| Instrument | 2021310073 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 205 Months |
| Due | Dec 1, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 13, 2019 |
| Property Address | 2809 BERKELEY AVE, LAKELAND, FL 33803-3211 |
| Document Number | 0107761385 |
| Book / Page | 010776 / 001385 |
| Instrument Date | Mar 13, 2019 |
| Instrument | 50485 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2019 |
| Title Company | REAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,435.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2809 BERKELEY AVE LAKELAND FL 338033211, LAKELAND, FL 33803-3211 |
| Document Number | 107761386 |
|---|---|
| Date | Mar 13, 2019 |
| Book Page | 010776/001386 |
| Instrument | 50486 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 12, 2049 |
The 2025 property tax bill for 2809 Berkeley Ave was $3,248.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Lakeland City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $267,455 (+19.81%) Land $78,484 Building $188,971 | $267,455 (+6.38%) Land $78,484 Building $188,971 | |
| 2025 | $3,248.00 Homeowner's exemption | $223,224 | $251,410 Land $60,545 Building $190,865 |
| 2023 | $3,063.00 (+2.96%) Homeowner's exemption | $210,615 (+3%) | $256,848 (+12.55%) Land $58,302 Building $198,546 |
| 2022 | $2,975.00 Homeowner's exemption | $204,481 | $228,216 Land $54,939 Building $173,277 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2809 Berkeley Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.
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 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 2 (2024) |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 2809 Berkeley Ave is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 229 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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