3523 Flat Rd, Lakeland, FL 33801 Property Records

Polk County property record for 3523 Flat Rd, Lakeland, FL 33801

Property Summary

Property Type	Multi-Family Dwellings
Details	1,364 sqft · built 1983
Lot Size	0.348 acres (15,146 sqft)
Owner	Company Name on File
Last Sale	$110,000 (Mar 2022)
Tax Bill	$1,164 (2025)
Deeds & Mortgages	Jun 2022 Transfer Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-26-000000-044410`

Property Details

APN / Parcel Number

Primary APN	`24-28-26-000000-044410`
Alternative APNs	`262824000000044410` `62824000`

Interior

Building Area	1,364 sqft Living Area
1st Floor Area	1,364 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Mobile Home
Lot Area	15,146 sqft (0.348 acres)
Lot Dimensions	151 ft deep x 100 ft wide
Total Buildings	2 Buildings

Location & Zoning

Street Address	3523 FLAT RD
City	LAKELAND
State	FL
Zip	33801-9437
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	C4
Legal Description	W 100 FT OF E 750 FT OF S 171.9 FT OF N 9 AC M/L OF S 11.5 AC M/L OF W1/2 OF SW1/4 BEING LOTS 36 & 37 OF UNREC ROLLING FLATS LESS FLAT RD R/W
Legal Range	24E
Legal Township	28S
Legal Section	26
Legal Subdivision	BLUE HERRON ESTATES
Legal Tract	000000
Legal Block	1
Legal Lot Number	36,37
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1010
Census Tract	11722

Owner

3523 Flat Rd, a residential property, is owned by a company that bought it in March 2022.

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

Owner of Record	Company Name on File
Mailing Address	1007 WILDWOOD LN, VALRICO, FL 33594-6648
Owner Type	Company
Vesting	Borrower in Default

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

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Correction Deed EQUITY NATIONAL TITLE LLC
Mar 15, 2022	Warranty Deed, Transfer · Balloon Mortgage PAMELA SGERWILL NAVARRO TRUST
Jul 6, 2020	Loan Modification, Mortgage ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2022 · Amount on File
Deed Sale	Mar 15, 2022 · Amount on File
Prior Sale	Oct 26, 2007 · Amount on File
Deed Document Number	202270176
Deed Book / Page	12162 / 1414
Prior Transfer Date	Mar 11, 2022
Prior Transfer Doc	0000174771
Record Updated	Oct 29, 2026

June 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	POLK FL
Recording Date	Jun 27, 2022
Property Address	3523 FLAT RD, LAKELAND, FL 33801-9437
Document Number	0000174771
Book / Page	12313 / 1435
Instrument Date	Mar 11, 2022
Instrument	2022174771
Record Updated	Jul 11, 2022
Title Company	EQUITY NATIONAL TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6799 SHEPHERD OAKS RD, 6799, LAKELAND, FL 33811-3146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1007 WILDWOOD LN, VALRICO, FL 33594-6648
Investor	Possibly a Property Investor

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 15, 2022
Property Address	3523 FLAT RD, LAKELAND, FL 33801-9437
Document Number	0000070176
Book / Page	12162 / 1414
Instrument Date	Mar 11, 2022
Instrument	2022070176
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	EQUITY NATIONAL TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6799 SHEPHERD OAKS RD, LAKELAND, FL 33811-3146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1007 WILDWOOD LN, VALRICO, FL 33594-6648

Mortgage

Document Number	0121621416
Date	Mar 15, 2022
Instrument	12162/1416

Lender

Name	PAMELA SGERWILL NAVARRO TRUST
Type	Private Party

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	13 Months
Due	Apr 1, 2023

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	3523 FLAT RD, LAKELAND, FL 33801-9437
Document Number	0113430435
Instrument Date	Jul 6, 2020
Transaction Type	Mortgage
Record Updated	Sep 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3523 FLAT RD LAKELAND FL 338019437, LAKELAND, FL 33801-9437

Tax Assessment & Valuation

The 2025 property tax bill for 3523 Flat Rd was $1,164.

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		$86,700 (-) Land $23,000 Building $63,700	$86,700 (-) Land $23,000 Building $63,700
2025	$1,164.00	$86,700 Land $23,000 Building $63,700	$86,700 Land $23,000 Building $63,700
2023	$2,016.00 (+14.74%)	$78,416 (+10.05%) Land $22,000 Building $56,416	$78,416 (+10.05%) Land $22,000 Building $56,416
2022	$1,757.00	$71,254 Land $18,500 Building $52,754	$71,254 Land $18,500 Building $52,754

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

Flood

FEMA maps place 3523 Flat Rd 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	6 (1983–2004)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Sep 2004 · Hurricane Frances
Claims by Event	Hurricane Frances, Sep 2004 · 3 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 3523 Flat Rd is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.1% 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 110 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

May also be available: Frontier, Hotwire Communications, T-Mobile, Verizon.

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