Polk County property record for 3204 Thoroughbred Loop N, Lakeland, FL 33811
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,383 sqft · built 1990 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $147,000 (Jun 2016) |
| Tax Bill | $3,992 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Aug 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-28-28-138012-000190 |
| Primary APN | 23-28-28-138012-000190 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,383 sqft Living Area |
| Gross Area | 1,782 sqft |
| 1st Floor Area | 1,383 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2000 |
| 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 | 399 sqft |
| Pool House | Pool House |
| Porch | Unfinished Open Porch |
| Porch Area | 22 sqft |
| Cooling System | Central |
|---|
| Street Address | 3204 THOROUGHBRED LOOP N |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33811-1077 |
| 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 19 |
| 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 | 19 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 12003 |
3204 Thoroughbred Loop N is owned by two individuals who acquired it in May 2023.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1720 ITCHEPACKESASSA DR, LAKELAND, FL 33810-0109 |
| 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.
| Date | Document |
|---|---|
| Jun 5, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Aug 24, 2018 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 7, 2016 · Amount on File |
| Deed Sale | Jun 7, 2016 · Amount on File |
| Prior Sale | Jan 31, 2007 · Amount on File |
| Deed Document Number | 2016101632 |
| Deed Book / Page | 9842 / 964 |
| Last Transfer Date | May 25, 2023 |
| Transfer Doc | 0000131057 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 5, 2023 |
| Property Address | 3204 THOROUGHBRED LOOP N, LAKELAND, FL 33811-1077 |
| Document Number | 0000131057 |
| Book / Page | 12716 / 1974 |
| Map Reference | MB 89 PG 8 |
| Instrument Date | May 25, 2023 |
| Instrument | 2023131057 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3204 THOROUGHBRED LOOP N, LAKELAND, FL 33811-1077 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3204 THOROUGHBRED LOOP N, LAKELAND, FL 33811-1077 |
| Document Number | 0127161977 |
|---|---|
| Date | Jun 5, 2023 |
| Instrument | 12716/1977 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3204 THOROUGHBRED LOOP N, LAKELAND, FL 33811-1077 |
| Document Number | 0106010972 |
| Instrument Date | Aug 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3204 THOROUGHBRED LOOP N LAKELAND FL 338111077, LAKELAND, FL 33811-1077 |
| Document Number | 0106010972 |
|---|---|
| Date | Sep 4, 2018 |
| Book Page | 010601/000972 |
| Instrument | 187730 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 3, 2038 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3204 Thoroughbred Loop N was $3,992.
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 | $220,311 (-0.44%) Land $44,000 Building $176,311 | $220,311 (-0.44%) Land $44,000 Building $176,311 | |
| 2025 | $3,992.00 | $221,285 Land $44,000 Building $177,285 | $221,285 Land $44,000 Building $177,285 |
| 2023 | $1,801.00 (+3.45%) Homeowner's exemption | $140,751 (+3%) | $227,686 (+7.16%) Land $42,000 Building $185,686 |
| 2022 | $1,741.00 Homeowner's exemption | $136,651 | $212,481 Land $40,000 Building $172,481 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3204 Thoroughbred Loop N in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 3204 Thoroughbred Loop N is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.
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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