Polk County property record for 3096 Thoroughbred Loop W, Lakeland, FL 33811
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,780 sqft · built 2003 |
| Lot Size | 0.222 acres (9,649 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $185,000 (Mar 2018) |
| Tax Bill | $2,499 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-28-33-138102-000780 |
| Primary APN | 23-28-33-138102-000780 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,780 sqft Living Area |
| Gross Area | 2,200 sqft |
| 1st Floor Area | 1,780 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,649 sqft (0.222 acres) |
| Lot Dimensions | 130 ft deep x 75 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 28 sqft |
| Patio Area | 88 sqft |
| Street Address | 3096 THOROUGHBRED LOOP W |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33811-1089 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STEEPLECHASE PHASE TWO PB 90 PGS 26 & 27 LOT 78 |
| Legal Range | 23E |
| Legal Township | 28S |
| Legal Section | 33 |
| Legal Subdivision | STEEPLECHASE PHASE TWO |
| Legal Phase | 2 |
| Legal Tract | 138102 |
| Legal Block | 1 |
| Legal Lot Number | 78 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 12003 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3096 THOROUGHBRED LOOP W, LAKELAND, FL 33811-1089 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 17, 2021 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Mar 6, 2018 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2018 · Amount on Record |
| Deed Sale | Mar 6, 2018 · Amount on Record |
| Prior Sale | Jun 25, 2003 · Amount on Record |
| Deed Document Number | 201848932 |
| Deed Book / Page | 10414 / 1798 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3096 THOROUGHBRED LOOP W, LAKELAND, FL 33811-1089 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | AMERICAN HOME TITLE/LAND O, AMERICAN HOME TTL OF LAND O |
| Name | Verified Name |
|---|---|
| Address | 3096 THOROUGHBRED LOOP W, LAKELAND, FL 33811-1089 |
| Document Number | 0000242925 |
|---|---|
| Date | Sep 17, 2021 |
| Book Page | 11896/1762 |
| Instrument | 2021242925 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 6, 2018 |
| Property Address | 3096 THOROUGHBRED LOOP W, LAKELAND, FL 33811-1089 |
| Document Number | 0104141798 |
| Book / Page | 010414 / 001798 |
| Instrument Date | Feb 28, 2018 |
| Instrument | 48932 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2018 |
| Title Company | HOME SOLUTION TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,295.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3096 THOROUGHBRED LOOP W LAKELAND FL 338111089, LAKELAND, FL 33811-1089 |
| Document Number | 104141801 |
|---|---|
| Date | Mar 6, 2018 |
| Book Page | 010414/001801 |
| Instrument | 48933 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 5, 2048 |
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 | $186,639 (+2.7%) | $241,242 (-0.49%) Land $44,000 Building $197,242 | |
| 2025 | $2,499.00 (+5.84%) Homeowner's exemption | $181,732 (+5.99%) | $242,437 (-4%) Land $44,000 Building $198,437 |
| 2023 | $2,361.00 (+3.15%) Homeowner's exemption | $171,466 (+3%) | $252,531 (+6.93%) Land $42,000 Building $210,531 |
| 2022 | $2,289.00 Homeowner's exemption | $166,472 | $236,154 Land $40,000 Building $196,154 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 12 (1994–2024) |
| Claims Outside the SFHA | 10 of 12 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 201 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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