Polk County property record for 295 Granite Dr, Lakeland, FL 33809
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 925 sqft · built 1991 |
| Lot Size | 0.117 acres (5,105 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Nov 2023) |
| Tax Bill | $1,568 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Jan 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-19-161358-000012 |
| Primary APN | 24-27-19-161358-000012 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 925 sqft Living Area |
| Gross Area | 1,172 sqft |
| 1st Floor Area | 925 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 5,105 sqft (0.117 acres) |
| Lot Dimensions | 107 ft deep x 47 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 247 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 20 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|
| Street Address | 295 GRANITE DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-6128 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LAKE GIBSON VILLAGE PB 88 PG 46 LOT 1 W 47.47 FT BEING LOT 1B |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 19 |
| Legal Subdivision | LAKE GIBSON VILLAGE |
| Legal Tract | 161358 |
| Legal Block | 2 |
| Legal Lot Number | 1,1B |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 12208 |
295 Granite Dr, a townhouse, is owned and occupied by two individuals who bought it in November 2023.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 295 GRANITE DR, LAKELAND, FL 33809-6128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 28, 2023 | Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK |
| Jan 4, 2021 | Warranty Deed, Transfer · FHA Mortgage CHRISTENSEN FIN'L |
| Jun 28, 2018 | Warranty Deed, Transfer · Conventional Mortgage HOUSING FIN AGCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 28, 2023 · Amount on File |
| Deed Sale | Nov 28, 2023 · Amount on File |
| Prior Sale | Jan 4, 2021 · Amount on File |
| Deed Document Number | 2023277971 |
| Deed Book / Page | 12921 / 480 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 28, 2023 |
| Property Address | 295 GRANITE DR, LAKELAND, FL 33809-6128 |
| Document Number | 0000277971 |
| Book / Page | 12921 / 480 |
| Map Reference | MB 88 PG 46 |
| Instrument Date | Nov 21, 2023 |
| Instrument | 2023277971 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2023 |
| Title Company | JEWEL STONE TITLE INSURANCE AGENCY INC, JEWEL STONE TTL INS AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8614 WESTHOPE ST, CHARLOTTE, NC 28216-3690 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 295 GRANITE DR, LAKELAND, FL 33809-6128 |
| Document Number | 0012921482 |
|---|---|
| Date | Nov 28, 2023 |
| Instrument | 12921/482 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 4, 2021 |
| Property Address | 295 GRANITE DR, LAKELAND, FL 33809-6128 |
| Document Number | 0115230226 |
| Book / Page | 011523 / 000226 |
| Instrument Date | Dec 28, 2020 |
| Instrument | 759 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,015.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 295 GRANITE DR LAKELAND FL 338096128, LAKELAND, FL 33809-6128 |
| Document Number | 115230227 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | 011523/000227 |
| Instrument | 760 |
| Name | CHRISTENSEN FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 3, 2051 |
| Document Number | 115230241, |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | 011523/000241 |
| Instrument | 761 |
| Name | HOUSING FIN AGCY |
|---|---|
| Address | TALLAHASSEE, FL 32301-1329 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 3, 2051 |
| Rate | 12% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 28, 2018 |
| Property Address | 295 GRANITE DR, LAKELAND, FL 33809-6128 |
| Document Number | 0105321836 |
| Book / Page | 010532 / 001836 |
| Instrument Date | Jun 22, 2018 |
| Instrument | 138677 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $819.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 295 GRANITE DR LAKELAND FL 338096128, LAKELAND, FL 33809-6128 |
| Document Number | 105321850 |
|---|---|
| Date | Jun 28, 2018 |
| Book Page | 010532/001850 |
| Instrument | 138679 |
| Name | HOUSING FIN AGCY |
|---|---|
| Address | TALLAHASSEE, FL 32301-1329 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 27, 2048 |
| Document Number | 105321837, |
|---|---|
| Date | Jun 28, 2018 |
| Book Page | 010532/001837 |
| Instrument | 138678 |
| Name | VANDYK MTG |
|---|---|
| Type | Mortgage Company |
| Address | GRAND RAPIDS, MI 49546 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 27, 2048 |
The 2025 property tax bill for 295 Granite Dr was $1,568 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 | $158,700 (-1.73%) Land $100 Building $158,600 | $158,700 (-1.73%) Land $100 Building $158,600 | |
| 2025 | $1,568.00 Homeowner's exemption | $161,500 Land $100 Building $161,400 | $161,500 Land $100 Building $161,400 |
| 2023 | $2,196.00 (+8.77%) | $142,500 (+11.76%) Land $100 Building $142,400 | $142,500 (+11.76%) Land $100 Building $142,400 |
| 2022 | $2,019.00 | $127,500 Land $100 Building $127,400 | $127,500 Land $100 Building $127,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 295 Granite Dr in Zone X, an area of minimal flood risk, though there have been 7 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 22 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 7 (2024) |
| Claims Outside the SFHA | 1 of 7 |
| 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 295 Granite Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 | NORTHWEST serves 28,082 people · EPA ID FL6532348 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Also Mapped Here | CITY OF LAKELAND |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 21 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 465 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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