Polk County property record for 3189 Thoroughbred Loop N, Lakeland, FL 33811
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,800 sqft · built 2003 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | Company Name on Record |
| Last Sale | $282,400 (Dec 2022) |
| Tax Bill | $4,360 (2025) |
| Deeds & Mortgages | Dec 2022 Sale Sep 2022 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-28-28-138012-000270 |
| Primary APN | 23-28-28-138012-000270 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| Gross Area | 2,200 sqft |
| 1st Floor Area | 1,800 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 | 7,501 sqft (0.172 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 32 sqft |
| Patio Area | 48 sqft |
| Street Address | 3189 THOROUGHBRED LOOP N |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33811-1076 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STEEPLECHASE PHASE ONE PB 89 PG 8 LYING IN A PORTION OF SECS 28 & 33 T28S R23E LOT 27 |
| Legal Range | 23E |
| Legal Township | 28S |
| Legal Section | 28 |
| Legal Subdivision | STEEPLECHASE PHASE ONE |
| Legal Phase | 1 |
| Legal Tract | 138012 |
| Legal Block | 1 |
| Legal Lot Number | 27 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1041 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 40970, MESA, AZ 85274-0970 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Dec 6, 2022 | Warranty Deed, Transfer HOME SWEET HOME TITLE LLC |
| Sep 2, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage KNOCK LENDING LLC |
| Apr 3, 2020 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 6, 2022 · Amount on Record |
| Deed Sale | Dec 6, 2022 · Amount on Record |
| Prior Sale | Apr 3, 2008 · Amount on Record |
| Deed Document Number | 2022316119 |
| Deed Book / Page | 12508 / 2096 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 6, 2022 |
| Property Address | 3189 THOROUGHBRED LOOP N, LAKELAND, FL 33811-1076 |
| Document Number | 0000316119 |
| Book / Page | 12508 / 2096 |
| Map Reference | MB 89 PG 8 |
| Instrument Date | Dec 5, 2022 |
| Instrument | 2022316119 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2022 |
| Title Company | HOME SWEET HOME TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,976.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 612 S INGRAHAM AVE, LAKELAND, FL 33801-5635 |
| Name | Verified Name |
|---|---|
| Address | 58 S RIVER DR STE 150, 150, TEMPE, AZ 85288-3774 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3189 THOROUGHBRED LOOP N, LAKELAND, FL 33811-1076 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3189 THOROUGHBRED LOOP N, LAKELAND, FL 33811-1076 |
| Document Number | 0000239520 |
|---|---|
| Date | Sep 2, 2022 |
| Book Page | 12404/1497 |
| Instrument | 2022239520 |
| Name | KNOCK LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Aug 26, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3189 THOROUGHBRED LOOP N, LAKELAND, FL 33811-1076 |
| Document Number | 0112110566 |
| Instrument Date | Apr 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3189 THOROUGHBRED LOOP N LAKELAND FL 338111076, LAKELAND, FL 33811-1076 |
| Document Number | 0112110566 |
|---|---|
| Date | Apr 20, 2020 |
| Book Page | 011211/000566 |
| Instrument | 82326 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 19, 2025 |
| Rate Type | Adjustable Rate |
|---|
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 | $235,486 (-2.57%) Land $44,000 Building $191,486 | $235,486 (-2.57%) Land $44,000 Building $191,486 | |
| 2025 | $4,360.00 (-5.28%) | $241,707 (-4.04%) Land $44,000 Building $197,707 | $241,707 (-4.04%) Land $44,000 Building $197,707 |
| 2023 | $4,603.00 (+235.74%) | $251,872 (+116.13%) Land $42,000 Building $209,872 | $251,872 (+6.84%) Land $42,000 Building $209,872 |
| 2022 | $1,371.00 Homeowner's exemption | $116,536 | $235,751 Land $40,000 Building $195,751 |
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.
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 | Moderate above 67% of the US · above 46% 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 70 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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