Polk County property record for 3462 Summit Dr, Lakeland, FL 33810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,471 sqft · built 2013 |
| Lot Size | 0.245 acres (10,655 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $267,900 (Jul 2018) |
| Tax Bill | $4,531 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-27-16-001015-000770 |
| Primary APN | 23-27-16-001015-000770 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,471 sqft Living Area |
| Gross Area | 3,080 sqft |
| 1st Floor Area | 2,471 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,655 sqft (0.245 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 609 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 256 sqft |
| Street Address | 3462 SUMMIT DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33810-4404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HUNTINGTON SUMMIT PB 131 PGS 9-11 LOT 77 |
| Legal Range | 23E |
| Legal Township | 27S |
| Legal Section | 16 |
| Legal Subdivision | HUNTINGTON SUMMIT |
| Legal Tract | 1015 |
| Legal Block | 1 |
| Legal Lot Number | 77 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 12133 |
3462 Summit Dr is owned and occupied by two individuals who bought it in July 2018.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3462 SUMMIT DR, LAKELAND, FL 33810-4404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jul 21, 2022 | Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO |
| Jul 10, 2018 | Warranty Deed, Transfer · FHA Mortgage PERL MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2018 · Amount on File |
| Deed Sale | Jul 10, 2018 · Amount on File |
| Prior Sale | Jun 20, 2013 · Amount on File |
| Deed Document Number | 2018146008 |
| Deed Book / Page | 10543 / 734 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3462 SUMMIT DR, LAKELAND, FL 33810-4404 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2022 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3462 SUMMIT DR, LAKELAND, FL 33810-4404 |
| Document Number | 0000198826 |
|---|---|
| Date | Jul 21, 2022 |
| Book Page | 12347/1521 |
| Instrument | 2022198826 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 10, 2018 |
| Property Address | 3462 SUMMIT DR, LAKELAND, FL 33810-4404 |
| Document Number | 0105430734 |
| Book / Page | 010543 / 000734 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 146008 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2018 |
| Title Company | HOME SOLUTION TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,875.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 613 CHARTER CT PLANT CITY FL 335636246, PLANT CITY, FL 33563-6246 |
| Document Number | 105430735 |
|---|---|
| Date | Jul 10, 2018 |
| Book Page | 010543/000735 |
| Instrument | 146009 |
| Name | PERL MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 9, 2048 |
The 2025 property tax bill for 3462 Summit Dr was $4,531.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $322,976 (-7.85%) Land $52,000 Building $270,976 | $322,976 (-7.85%) Land $52,000 Building $270,976 | |
| 2025 | $4,531.00 | $350,488 Land $52,000 Building $298,488 | $350,488 Land $52,000 Building $298,488 |
| 2023 | $4,825.00 (+10.56%) | $366,500 (+15.5%) Land $50,000 Building $316,500 | $366,500 (+15.5%) Land $50,000 Building $316,500 |
| 2022 | $4,364.00 | $317,311 Land $42,000 Building $275,311 | $317,311 Land $42,000 Building $275,311 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3462 Summit Dr 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 6 (20% premium discount) |
| Nearby Flood Policies | 7 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 3462 Summit Dr is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 | NORTHWEST serves 28,082 people · EPA ID FL6532348 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 21 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 438 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
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