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285 E Echo St, Lake Alfred, FL 33850 Property Records

Polk County property record for 285 E Echo St, Lake Alfred, FL 33850 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,121 sqft · built 2006
Lot Size0.225 acres (9,779 sqft)
Owner2 Individual Names on File
Last Sale$152,500 (Oct 2016)
Tax Bill$1,887 (2025)
Deeds & MortgagesOct 2023 Mortgage
Feb 2022 Second Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-28-04-522750-000040

Property Details

APN / Parcel Number

Primary APN26-28-04-522750-000040
Alternative APNs
  • 042826522750000040
  • 42826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,121 sqft Living Area
Gross Area2,521 sqft
1st Floor Area2,121 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area9,779 sqft (0.225 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area400 sqft
PorchPatio
Porch Area188 sqft

Location & Zoning

Street Address285 E ECHO ST
CityLAKE ALFRED
StateFL
Zip33850-2813
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTRACT 1, THE LAKES PLAT BOOK 130 PGS 1 & 2 LOT 4
Legal Range26E
Legal Township28S
Legal Section04
Legal SubdivisionTRACT 1 THE LAKES
Legal Tract1
Legal Block4
Legal Lot Number4
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4002
Census Tract12900

Owner

Source: Polk County records · APN 26-28-04-522750-000040

Assessment roll updated June 23, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address285 E ECHO ST, LAKE ALFRED, FL 33850-2813
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 10, 2023Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Feb 08, 2022Deed of Trust, Mortgage · Stand-Alone Second Mortgage
FREEDOM MORTGAGE CORP
Oct 19, 2018Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MTG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 13, 2016 · Amount on Record
Deed SaleOct 13, 2016 · Amount on Record
Prior SaleApr 28, 2010 · Amount on Record
Deed Document Number2016185718
Deed Book / Page9956 / 2043
Record UpdatedSep 20, 2026

October 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address285 E ECHO ST, LAKE ALFRED, FL 33850-2813
Transaction TypeMortgage
Record UpdatedOct 23, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address285 E ECHO ST, LAKE ALFRED, FL 33850-2813

Mortgage

Document Number0000238807
DateOct 10, 2023
Book Page12867/1323
Instrument2023238807
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term339 Months
DueJan 01, 2052

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address285 E ECHO ST, LAKE ALFRED, FL 33850-2813
Transaction TypeMortgage
Record UpdatedFeb 22, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address285 E ECHO ST, LAKE ALFRED, FL 33850-2813

Mortgage

Document Number0000034457
DateFeb 08, 2022
Book Page12107/1039
Instrument2022034457
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressDENVER, CO 80249
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term359 Months
DueJan 01, 2052

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address285 E ECHO ST, LAKE ALFRED, FL 33850-2813
Document Number0106541403
Instrument DateOct 19, 2018
Transaction TypeMortgage
Record UpdatedNov 14, 2018
Title CompanyINSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address285 E ECHO ST LAKE ALFRED FL 338502813, LAKE ALFRED, FL 33850-2813

Mortgage

Document Number0106541403
DateOct 29, 2018
Book Page010654/001403
Instrument226831
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 28, 2048

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityLake Alfred City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,887.00 (+6.37%) Homeowner's exemption$142,042 (+5.99%)$241,815 (-1.01%) Land $37,000 Building $204,815
2023$1,774.00 (+2.72%) Homeowner's exemption$134,018 (+3%)$244,293 (+6.22%) Land $36,000 Building $208,293
2022$1,727.00 Homeowner's exemption$130,115$229,998 Land $30,000 Building $199,998

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050129004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 11 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies11 in force
11 of 11 on primary residences

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

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