Polk County property record for 2845 Sutton Rd, Lakeland, FL 33810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,119 sqft · built 1988 |
| Lot Size | 0.239 acres (10,415 sqft) |
| Owner | Individual Name on File |
| Last Sale | $140,000 (Mar 2018) |
| Tax Bill | $1,306 (2025) |
| Deeds & Mortgages | Mar 2018 Sale & Mortgage Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-28-04-000000-014043 |
| Primary APN | 23-28-04-000000-014043 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,119 sqft Living Area |
| Gross Area | 1,467 sqft |
| 1st Floor Area | 1,119 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,415 sqft (0.239 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 348 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 36 sqft |
| Cooling System | Central |
|---|
| Street Address | 2845 SUTTON RD |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33810-0647 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Description | S 62 FT OF N 738 FT OF W 193 FT OF SW1/4 OF NE1/4 LESS W 25 FT FOR RD R/W |
| Legal Range | 23E |
| Legal Township | 28S |
| Legal Section | 04 |
| Legal Subdivision | J AND J MANOR |
| Legal Tract | 000000 |
| Legal Block | 2 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 12001 |
2845 Sutton Rd is owned and occupied by an individual who bought it in March 2018.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2845 SUTTON RD, LAKELAND, FL 33810-0647 |
| 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 |
|---|---|
| Mar 23, 2018 | Warranty Deed, Transfer · FHA Mortgage HAMILTON GRP FNDG |
| Jun 26, 2017 | Deed of Trust, Mortgage · Conventional Mortgage RP FNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 23, 2018 · Amount on File |
| Deed Sale | Mar 23, 2018 · Amount on File |
| Prior Sale | Aug 27, 1999 · Amount on File |
| Deed Document Number | 201862969 |
| Deed Book / Page | 10432 / 1475 |
| Prior Transfer Date | Sep 27, 1993 |
| Prior Transfer Doc | 3290000983 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 23, 2018 |
| Property Address | 2845 SUTTON RD, LAKELAND, FL 33810-0647 |
| Document Number | 0104321475 |
| Book / Page | 010432 / 001475 |
| Instrument Date | Mar 19, 2018 |
| Instrument | 62969 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2018 |
| Title Company | LAKELAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6612 GLEN MEADOW LOOP LAKELAND FL, LAKELAND, FL |
| Document Number | 104321476 |
|---|---|
| Date | Mar 23, 2018 |
| Book Page | 010432/001476 |
| Instrument | 62970 |
| Name | HAMILTON GRP FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | SUNRISE, FL 33323 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 22, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2845 SUTTON RD, LAKELAND, FL 33810-0647 |
| Document Number | 0102040681 |
| Book / Page | 010204 / 000681 |
| Instrument Date | Jun 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2845 SUTTON RD LAKELAND FL 338100647, LAKELAND, FL 33810-0647 |
| Document Number | 0102040681 |
|---|---|
| Date | Jul 14, 2017 |
| Book Page | 010204/000681 |
| Instrument | 134145 |
| Name | RP FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 13, 2032 |
The 2025 property tax bill for 2845 Sutton Rd was $1,306 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 | $145,076 (+2.7%) | $190,533 (+1.82%) Land $6,840 Building $183,693 | |
| 2025 | $1,306.00 Homeowner's exemption | $141,262 | $187,134 Land $6,840 Building $180,294 |
| 2023 | $1,717.00 (+4.06%) Homeowner's exemption | $133,283 (+3%) | $186,799 (+12.04%) Land $6,600 Building $180,199 |
| 2022 | $1,650.00 Homeowner's exemption | $129,401 | $166,728 Land $5,544 Building $161,184 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2845 Sutton Rd in Zone X, an area of minimal flood risk, though there have been 56 flood claims nearby since 1988.
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 | 4 in force |
| Nearby Flood Claims | 56 (1988–2022) |
| Claims Outside the SFHA | 17 of 56 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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 2845 Sutton Rd is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 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 |
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