3146 Keuka Loop, Lakeland, FL 33810 Property Records

Polk County property record for 3146 Keuka Loop, Lakeland, FL 33810

Property Summary

Property Type	Mobile Home
Details	1,134 sqft · built 1998
Lot Size	0.273 acres (11,888 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Jan 2026)
Tax Bill	$1,877 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-28-04-022506-000690`

Property Details

APN / Parcel Number

Primary APN	`23-28-04-022506-000690`
Alternative APNs	`042823022506000690` `42823000`

Interior

Building Area	1,134 sqft Living Area
1st Floor Area	1,134 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Mobile Home
Lot Area	11,888 sqft (0.273 acres)
Lot Dimensions	139 ft deep x 85 ft wide
Garage Type	Carport
Garage Area	504 sqft
Carport	Carport
Carport Area	504 sqft
Porch	Porch
Porch Area	372 sqft
Shed	1 Shed

Location & Zoning

Street Address	3146 KEUKA LOOP
City	LAKELAND
State	FL
Zip	33810-8603
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	COUNTRY KNOLL PHASE TWO PB 94 PG 17 LOT 69
Legal Range	23E
Legal Township	28S
Legal Section	04
Legal Subdivision	COUNTRY KNOLL PHASE 02
Legal Phase	2
Legal Tract	22506
Legal Block	2
Legal Lot Number	69
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2012
Census Tract	12001

Owner

3146 Keuka Loop, a mobile home, is owned and occupied by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	3146 KEUKA LOOP, LAKELAND, FL 33810-8603
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2026 · Amount on File
Deed Sale	Jan 7, 2026 · Amount on File
Prior Sale	Mar 14, 2006 · Amount on File
Deed Document Number	20263451
Deed Book / Page	13835 / 953
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 7, 2026
Property Address	3146 KEUKA LOOP, LAKELAND, FL 33810-8603
Document Number	0000003451
Book / Page	13835 / 953
Map Reference	MB 94 PG 17
Instrument Date	Dec 23, 2025
Instrument	2026003451
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	GOLDEN RULE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 BOGER BLVD S, LAKELAND, FL 33803-4435

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3146 KEUKA LOOP, LAKELAND, FL 33810-8603

Mortgage

Document Number	0013835955
Date	Jan 7, 2026
Instrument	13835/955

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 3146 Keuka Loop was $1,877.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$167,730 (+15.49%) Land $29,000 Building $138,730	$167,730 (+15.49%) Land $29,000 Building $138,730
2025	$1,877.00	$145,228 Land $29,000 Building $116,228	$145,228 Land $29,000 Building $116,228
2023	$867.00 (+4.46%) Homeowner's exemption	$56,431 (+3%)	$135,789 (+7.92%) Land $28,000 Building $107,789
2022	$830.00 Homeowner's exemption	$54,787	$125,825 Land $23,000 Building $102,825

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 3146 Keuka Loop 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	Hurricane Irma, Sep 2017 · 24 claims Hurricane Frances, Oct 2004 · 20 claims

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 3146 Keuka Loop 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 98% of the US · lower than 97.6% 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.

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 238 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