3216 Thoroughbred Loop N, Lakeland, FL 33811 Property Records

Polk County property record for 3216 Thoroughbred Loop N, Lakeland, FL 33811

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,608 sqft · built 1990
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Sep 2020)
Tax Bill	$2,612 (2025)
Deeds & Mortgages	Sep 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`23-28-28-138012-000170`

Property Details

APN / Parcel Number

Primary APN	`23-28-28-138012-000170`
Alternative APNs	`282823138012000170` `82823000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,608 sqft Living Area
Gross Area	2,070 sqft
1st Floor Area	1,608 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
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	462 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Unfinished Open Porch
Porch Area	106 sqft
Patio Area	498 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3216 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 17
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	17
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1038
Census Tract	12003

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3216 THOROUGHBRED LOOP N, LAKELAND, FL 33811-1077
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2020 · Amount on Record
Deed Sale	Sep 25, 2020 · Amount on Record
Prior Sale	Feb 8, 2006 · Amount on Record
Deed Document Number	2020201430
Deed Book / Page	11389 / 1863
Prior Transfer Date	Sep 23, 2020
Prior Transfer Doc	0000201430
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 25, 2020
Property Address	3216 THOROUGHBRED LOOP N, LAKELAND, FL 33811-1077
Document Number	0113891863
Book / Page	011389 / 001863
Instrument Date	Sep 23, 2020
Instrument	201430
Transaction Type	Transfer
Record Updated	Oct 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,260.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3216 THOROUGHBRED LOOP N LAKELAND FL 338111077, LAKELAND, FL 33811-1077

Tax Assessment & Valuation

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		$193,047 (+2.7%)	$233,112 (-2.71%) Land $44,000 Building $189,112
2025	$2,612.00 (+5.83%) Homeowner's exemption	$187,972 (+5.99%)	$239,606 (-2.79%) Land $44,000 Building $195,606
2023	$2,468.00 (+3.09%) Homeowner's exemption	$177,353 (+3%)	$246,476 (+9.26%) Land $42,000 Building $204,476
2022	$2,394.00 Homeowner's exemption	$172,187	$225,587 Land $40,000 Building $185,587

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
Nearest Special Flood Hazard Area	Zone AE, 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	Hurricane Milton, Oct 2024 · 4 claims Hurricane Frances, Sep 2004 · 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 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.

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 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