3222 Thoroughbred Loop N, Lakeland, FL 33811 Property Records

Polk County property record for 3222 Thoroughbred Loop N, Lakeland, FL 33811

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,038 sqft · built 1999
Lot Size	0.197 acres (8,586 sqft)
Owner	2 Individual Names on File
Last Sale	$139,900 (Dec 2003)
Tax Bill	$1,816 (2025)
Deeds & Mortgages	Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`23-28-28-138012-000160`

Property Details

APN / Parcel Number

Primary APN	`23-28-28-138012-000160`
Alternative APN	`282823138012000160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,038 sqft Living Area
Gross Area	2,434 sqft
1st Floor Area	2,038 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	8,586 sqft (0.197 acres)
Lot Dimensions	100 ft deep x 87 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	396 sqft
Pool House	Pool House
Porch	Unfinished Open Porch
Porch Area	80 sqft

Location & Zoning

Street Address	3222 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 16
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	16
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1038
Census Tract	12003

Owner

3222 Thoroughbred Loop N is owned and occupied by two individuals who bought it in December 2003.

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 File
Mailing Address	3222 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	Dec 8, 2003 · Amount on File
Deed Sale	Dec 8, 2003 · Amount on File
Prior Sale	Sep 5, 2000 · Amount on File
Deed Document Number	2003245147
Deed Book / Page	5605 / 562
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3222 THOROUGHBRED LOOP N, LAKELAND, FL 33811-1077
Document Number	0106801624
Instrument Date	Nov 14, 2018
Transaction Type	Mortgage
Record Updated	Dec 12, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3222 THOROUGHBRED LOOP N LAKELAND FL 338111077, LAKELAND, FL 33811-1077

Mortgage

Document Number	0106801624
Date	Nov 28, 2018
Book Page	010680/001624
Instrument	246412

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 27, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3222 Thoroughbred Loop N was $1,816 with a homeowner's exemption.

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		$147,733 (+2.7%)	$265,659 (-0.86%) Land $44,000 Building $221,659
2025	$1,816.00 Homeowner's exemption	$143,849	$267,970 Land $44,000 Building $223,970
2023	$1,709.00 (+3.51%) Homeowner's exemption	$135,723 (+3%)	$276,685 (+7.53%) Land $42,000 Building $234,685
2022	$1,651.00 Homeowner's exemption	$131,770	$257,320 Land $40,000 Building $217,320

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

Flood

FEMA maps place 3222 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	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

Wildfire risk around 3222 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.

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