3526 Rose Rd, Lakeland, FL 33810 Property Records

Polk County property record for 3526 Rose Rd, Lakeland, FL 33810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,748 sqft · built 2016
Lot Size	0.273 acres (11,901 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Apr 2026)
Tax Bill	$1,557 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-27-33-000000-031041`

Property Details

APN / Parcel Number

Primary APN	`23-27-33-000000-031041`
Alternative APNs	`332723000000031041` `32723000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,748 sqft Living Area
Gross Area	2,148 sqft
1st Floor Area	1,748 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	11,901 sqft (0.273 acres)
Lot Dimensions	140 ft deep x 85 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Unfinished Open Porch
Porch Area	32 sqft

Location & Zoning

Street Address	3526 ROSE RD
City	LAKELAND
State	FL
Zip	33810-6002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 85 FT OF E 995 FT OF N 140 FT OF S 330 FT OF NE1/4 OF NW1/4 BEING LOT 12 OF UNREC TABOR ESTS
Legal Range	23E
Legal Township	27S
Legal Section	33
Legal Subdivision	MT TABOR ESTATES UNITS 1 2 AND 3
Legal Tract	000000
Legal Block	2
Legal Lot Number	12
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2010
Census Tract	12124

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3526 ROSE RD, LAKELAND, FL 33810-6002
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2026 · Amount on Record
Deed Sale	Apr 28, 2026 · Amount on Record
Prior Sale	Feb 3, 2016 · Amount on Record
Deed Document Number	202699470
Deed Book / Page	13973 / 437
Prior Transfer Date	Nov 22, 1994
Prior Transfer Doc	3469000614
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 28, 2026
Property Address	3526 ROSE RD, LAKELAND, FL 33810-6002
Document Number	0000099470
Book / Page	13973 / 437
Instrument Date	Apr 20, 2026
Instrument	2026.99470
Transaction Type	Transfer
Record Updated	May 11, 2026
Title Company	TITLE AGENTS OF SOUTH FLORIDA, TITLE GUARANTY OF SOUTH FLORID

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3526 ROSE RD, LAKELAND, FL 33810-6002
Investor	Possibly a Property Investor

Mortgage

Document Number	0000099471,
Date	Apr 28, 2026
Instrument	2026..99471

Lender

Name	AMERICAN FINANCIAL SERVICES INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

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		$165,014 (+2.7%)	$281,136 (-11.35%) Land $40,000 Building $241,136
2025	$1,557.00 (-26.69%) Homeowner's exemption	$160,676 (+5.99%)	$317,128 (+9.01%) Land $40,000 Building $277,128
2024	$2,124.00 (+9.37%)
2023	$1,942.00 (+3.68%) Homeowner's exemption	$151,600 (+3%)	$290,929 (+8.89%) Land $24,000 Building $266,929
2022	$1,873.00 Homeowner's exemption	$147,184	$267,176 Land $20,000 Building $247,176

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Irma, Sep 2017 · 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 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 237 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
AT&T Fixed Wireless	100 / 20