Polk County property record for 323 Pico Ct, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,424 sqft · built 1985 |
| Lot Size | 0.173 acres (7,518 sqft) |
| Owner | Company Name on File |
| Last Sale | $95,000 (Mar 2013) |
| Tax Bill | $3,987 (2025) |
| Deeds & Mortgages | Nov 2017 Loan Modification Nov 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-19-161343-000610 |
| Primary APN | 24-27-19-161343-000610 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,424 sqft Living Area |
| Gross Area | 1,904 sqft |
| 1st Floor Area | 1,424 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,518 sqft (0.173 acres) |
| Lot Dimensions | 105 ft deep x 71 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 16 sqft |
| Cooling System | Central |
|---|
| Street Address | 323 PICO CT |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-4234 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA3 |
| Legal Description | LAKE GIBSON HILLS PHASE THREE PB 75 PG 15 LOT 61 |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 19 |
| Legal Subdivision | LAKE GIBSON HILLS PHASE 03 |
| Legal Phase | 3 |
| Legal Tract | 161343 |
| Legal Block | 1 |
| Legal Lot Number | 61 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 12208 |
323 Pico Ct is owned by a company that acquired it in November 2017.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1717 MAIN ST, 2000, DALLAS, TX 75201-4657 |
| Owner Type | Company |
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 |
|---|---|
| Nov 17, 2017 | Loan Modification, Mortgage · Line of Credit GERMAN AMERICAN CAP |
| Nov 13, 2017 | Quit Claim Deed, Transfer OS NATIONAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 28, 2013 · Amount on File |
| Deed Sale | Mar 28, 2013 · Amount on File |
| Prior Sale | Sep 20, 2005 · Amount on File |
| Deed Document Number | 201357294 |
| Deed Book / Page | 8913 / 971 |
| Last Transfer Date | Nov 9, 2017 |
| Transfer Doc | 0000217408 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 17, 2017 |
| Property Address | 323 PICO CT, LAKELAND, FL 33809-4234 |
| Document Number | 0103180930 |
| Book / Page | 010318 / 000930 |
| Instrument Date | Nov 9, 2017 |
| Instrument | 221894 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Title Company | OS NATIONAL LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 102 OAK LEIGH CT DAVENPORT FL 338968149, DAVENPORT, FL 33896-8149 |
| Document Number | 103180930 |
|---|---|
| Date | Nov 17, 2017 |
| Book Page | 010318/000930 |
| Instrument | 221894 |
| Name | GERMAN AMERICAN CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | 60 WALL ST # 10TH, NEW YORK, NY 10005-2836 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 13, 2017 |
| Property Address | 323 PICO CT, LAKELAND, FL 33809-4234 |
| Document Number | 0103121706 |
| Book / Page | 010312 / 001706 |
| Instrument Date | Nov 9, 2017 |
| Instrument | 217408 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2017 |
| Title Company | OS NATIONAL LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 1717 MAIN ST #2000 DALLAS TX 752014657, 2000, DALLAS, TX 75201-4657 |
The 2025 property tax bill for 323 Pico Ct was $3,987.
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 | $232,631 (+2.34%) Land $39,000 Building $193,631 | $232,631 (+2.34%) Land $39,000 Building $193,631 | |
| 2025 | $3,987.00 | $227,321 Land $39,000 Building $188,321 | $227,321 Land $39,000 Building $188,321 |
| 2023 | $3,608.00 (+7.57%) | $230,034 (+5.77%) Land $38,000 Building $192,034 | $230,034 (+5.77%) Land $38,000 Building $192,034 |
| 2022 | $3,354.00 | $217,475 Land $32,000 Building $185,475 | $217,475 Land $32,000 Building $185,475 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 323 Pico Ct in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 4 in force |
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 323 Pico Ct is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 257 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 |
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