3348 S Combee Rd, Lakeland, FL 33803 Property Records

Polk County property record for 3348 S Combee Rd, Lakeland, FL 33803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,174 sqft · built 2024
Lot Size	0.104 acres (4,530 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Apr 2024)
Tax Bill	$2,178 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Apr 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-33-000000-012180`

Property Details

APN / Parcel Number

Primary APN	`24-28-33-000000-012180`
Alternative APNs	`332824000000012180` `32824000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,174 sqft Living Area
Gross Area	1,460 sqft
1st Floor Area	1,174 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	4,530 sqft (0.104 acres)
Lot Dimensions	85 ft deep x 53 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	286 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	3348 S COMBEE RD
City	LAKELAND
State	FL
Zip	33803-7393
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	S 53.3 FT OF N 980.6 FT OF E 100 FT OF SE1/4 OF NE1/4 LESS W 15 FT
Legal Range	24E
Legal Township	28S
Legal Section	33
Legal Subdivision	ALAMEDA HEIGHTS
Legal Tract	000000
Legal Block	3
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	3
Census Block	3006
Census Tract	11834

Owner

Source: Polk County records, as of October 12, 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	3348 S COMBEE RD, LAKELAND, FL 33803-7393
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2022	Deed of Trust, Mortgage · Balloon Mortgage JULIO MINIER CESPEDES
Apr 30, 2024	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 22, 2021	Deed, Transfer ADVANCE TITLE, ADVANTAGE TITLE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2024 · Amount on Record
Deed Sale	Apr 30, 2024 · Amount on Record
Prior Sale	Dec 22, 2021 · Amount on Record
Deed Document Number	202499570
Deed Book / Page	13097 / 1497
Prior Transfer Date	Jun 18, 2021
Prior Transfer Doc	0000158749
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3348 S COMBEE RD, LAKELAND, FL 33803-7393
Transaction Type	Mortgage
Record Updated	Apr 23, 2026
Title Company	ADVANCE TITLE, ADVANTAGE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1231, EATON PARK, FL 33840-1231
Investor	Possibly a Property Investor

Mortgage

Document Number	0000290283
Date	Nov 3, 2022
Book Page	12474/1590
Instrument	2022290283

Lender

Name	JULIO MINIER CESPEDES
Type	Private Party
Address	2130 E EDGEWOOD DR STE 1, LAKELAND, FL 33803

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 30, 2024
Property Address	3348 S COMBEE RD, LAKELAND, FL 33803-7393
Document Number	0000099570
Book / Page	13097 / 1497
Instrument Date	Apr 22, 2024
Instrument	2024099570
Transaction Type	Transfer
Record Updated	May 10, 2024
Title Company	ADVANCE TITLE, ADVANTAGE TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1231, EATON PARK, FL 33840-1231

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3348 S COMBEE RD, LAKELAND, FL 33803-7393

Mortgage

Document Number	0130971499
Date	Apr 30, 2024
Instrument	13097/1499

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	POLK FL
Recording Date	Dec 22, 2021
Property Address	3348 S COMBEE RD, LAKELAND, FL 33803-7393
Document Number	0000333122
Book / Page	12039 / 433
Instrument Date	Dec 9, 2021
Instrument	2021333122
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	ADVANCE TITLE, ADVANTAGE TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$73.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	225 KENNEDY ST, EAGLE LAKE, FL 33839-3189

Transferred To (Grantee/Buyer)

Name	Verified Name

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		$207,641 (+2.36%) Land $22,651 Building $184,990	$207,641 (+2.36%) Land $22,651 Building $184,990
2025	$2,178.00 (+2,122.45%) Homeowner's exemption	$202,848 (+2,698.68%) Land $13,591 Building $189,257	$202,848 (+2,698.68%) Land $13,591 Building $189,257
2023	$98.00 (+5.38%)	$7,248 (+6.67%) Land $7,248	$7,248 (+6.67%) Land $7,248
2022	$93.00	$6,795 Land $6,795	$6,795 Land $6,795

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 20 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	9 (2006–2024)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	None beyond ember reach

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 225 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Hotwire Communications, Verizon.

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