320 E Carter Rd, Lakeland, FL 33813 Property Records

Polk County property record for 320 E Carter Rd, Lakeland, FL 33813

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,756 sqft · built 1912
Lot Size	0.903 acres (39,322 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Oct 2008)
Tax Bill	$3,079 (2025)
Deeds & Mortgages	Oct 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`24-29-30-290809-000010`

Property Details

APN / Parcel Number

Primary APN	`24-29-30-290809-000010`
Alternative APNs	`302924290809000010` `02924000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,756 sqft Living Area
1st Floor Area	1,732 sqft
Upper Floors Area	1,024 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Hip
Roof Material	Metal
Lot Area	39,322 sqft (0.903 acres)
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	814 sqft
Porch	Unfinished Open Porch
Porch Area	352 sqft
Shed	1 Shed

Location & Zoning

Street Address	320 E CARTER RD
City	LAKELAND
State	FL
Zip	33813-2698
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWELVE OAKS PB 123 PG 24 LOT 1
Legal Range	24E
Legal Township	29S
Legal Section	30
Legal Subdivision	TWELVE OAKS
Legal Tract	290809
Legal Block	2
Legal Lot Number	1
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2000
Census Tract	11835

Owner

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	320 E CARTER RD, LAKELAND, FL 33813-2698
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2008 · Amount on Record
Deed Sale	Oct 3, 2008 · Amount on Record
Prior Sale	Jul 14, 2008
Deed Document Number	2008167725
Deed Book / Page	7731 / 2144
Last Transfer Date	Sep 30, 2020
Transfer Doc	0000206875
Record Updated	Oct 29, 2026

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Oct 2, 2020
Property Address	320 E CARTER RD, LAKELAND, FL 33813-2698
Document Number	0113980459
Book / Page	011398 / 000459
Instrument Date	Sep 30, 2020
Instrument	206875
Transaction Type	Transfer
Record Updated	Oct 26, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	320 E CARTER RD LAKELAND FL 338132698, LAKELAND, FL 33813-2698

Tax Assessment & Valuation

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		$286,925 (+3.06%)	$337,911 (-2.81%) Land $100,000 Building $237,911
2025	$3,079.00 (-9.65%) Homeowner's exemption	$278,408 (+6.18%)	$347,666 (+0.68%) Land $100,000 Building $247,666
2023	$3,408.00 (+2.87%) Homeowner's exemption	$262,196 (+3%)	$345,333 (+8.84%) Land $98,000 Building $247,333
2022	$3,313.00 Homeowner's exemption	$254,559	$317,272 Land $94,000 Building $223,272

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Record median of 61 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	61 in force
Nearby Flood Claims	6 (1995–2024)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 2 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

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

Wildfire Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 236 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