311 E Palm Dr, Lakeland, FL 33803 Property Records

Polk County property record for 311 E Palm Dr, Lakeland, FL 33803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,230 sqft · built 2004
Lot Size	0.153 acres (6,652 sqft)
Owner	2 Individual Names on File
Last Sale	$356,000 (Jun 2024)
Tax Bill	$4,578 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-28-30-256500-002081`

Property Details

APN / Parcel Number

Primary APN	`24-28-30-256500-002081`
Alternative APNs	`302824256500002081` `02824000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,230 sqft Living Area
Gross Area	1,494 sqft
1st Floor Area	1,230 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,652 sqft (0.153 acres)
Lot Dimensions	133 ft deep x 50 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	264 sqft
Porch	Unfinished Open Porch
Porch Area	78 sqft
Shed	1 Shed

Location & Zoning

Street Address	311 E PALM DR
City	LAKELAND
State	FL
Zip	33803-2649
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HORNEYS J T 1ST ADD PB 6 PG 1 BLK B LOT 8
Legal Range	24E
Legal Township	28S
Legal Section	30
Legal Subdivision	HORNEYS J T 1ST ADDITION
Legal Tract	256500
Legal Block	B
Legal Lot Number	8
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2010
Census Tract	10502

Owner

311 E Palm Dr is owned and occupied by two individuals who bought it in June 2024.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	311 E PALM DR, LAKELAND, FL 33803-2649
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2022	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Oct 4, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2024 · Amount on File
Deed Sale	Jun 25, 2024 · Amount on File
Prior Sale	Oct 4, 2018 · Amount on File
Deed Document Number	2024146220
Deed Book / Page	13165 / 1371
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	311 E PALM DR, LAKELAND, FL 33803-2649
Transaction Type	Mortgage
Record Updated	Mar 30, 2022
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 E PALM DR, LAKELAND, FL 33803-2649

Mortgage

Document Number	0000068706
Date	Mar 14, 2022
Book Page	12160/671
Instrument	2022068706

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 4, 2018
Property Address	311 E PALM DR, LAKELAND, FL 33803-2649
Document Number	0106321822
Book / Page	010632 / 001822
Instrument Date	Oct 2, 2018
Instrument	210497
Transaction Type	Transfer
Record Updated	Oct 19, 2018
Title Company	SMART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,491.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 E PALM DR LAKELAND FL 338032649, LAKELAND, FL 33803-2649

Mortgage

Document Number	106321824
Date	Oct 4, 2018
Book Page	010632/001824
Instrument	210498

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 311 E Palm Dr was $4,578.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Lakeland City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$237,190 (-6.55%) Land $53,200 Building $183,990	$237,190 (-6.55%) Land $53,200 Building $183,990
2025	$4,578.00	$253,809 Land $52,535 Building $201,274	$253,809 Land $52,535 Building $201,274
2023	Homeowner's exemption	$168,851	$246,068 Land $51,205 Building $194,863

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 311 E Palm Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.

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 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	3 (2004–2024)
Claims Outside the SFHA	3 of 3
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

Wildfire risk around 311 E Palm Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 300 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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