3537 Flat Rd, Lakeland, FL 33801 Property Records

Polk County property record for 3537 Flat Rd, Lakeland, FL 33801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 981 sqft · built 1986
Lot Size	0.174 acres (7,571 sqft)
Owner	Company Name on Record
Last Sale	$315,000 (Oct 2018)
Tax Bill	$1,423 (2025)
Deeds & Mortgages	Oct 2018 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`24-28-26-000000-044470`

Property Details

APN / Parcel Number

Primary APN	`24-28-26-000000-044470`
Alternative APNs	`262824000000044470` `62824000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	981 sqft Living Area
1st Floor Area	981 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	7,571 sqft (0.174 acres)
Lot Dimensions	151 ft deep x 50 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	504 sqft
Carport	Carport
Carport Area	504 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	99 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	3537 FLAT RD
City	LAKELAND
State	FL
Zip	33801-9437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C4
Legal Description	W 50 FT OF E 550 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 LESS N 20 FT FOR FLAT RD R/W BEING LOT 33 OF UNRE ROLLING FLATS
Legal Range	24E
Legal Township	28S
Legal Section	26
Legal Subdivision	BLUE HERRON ESTATES
Legal Tract	000000
Legal Block	1
Legal Lot Number	33
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1010
Census Tract	11722

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	Company Name on Record
Mailing Address	550 82ND AVE, VERO BEACH, FL 32968-9710
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2018 · Amount on Record
Deed Sale	Oct 18, 2018 · Amount on Record
Prior Sale	Jan 18, 2013 · Amount on Record
Deed Document Number	2018220200
Deed Book / Page	10645 / 1370
Last Transfer Date	Oct 4, 2023
Transfer Doc	0000244303
Record Updated	Oct 29, 2026

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Oct 18, 2018
Property Address	3537 FLAT RD, LAKELAND, FL 33801-9437
Document Number	0106451370
Book / Page	010645 / 001370
Instrument Date	Sep 28, 2018
Instrument	220200
Transaction Type	Transfer
Record Updated	Nov 7, 2018
Title Company	SOUTHEAST PROF TITLE L

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1703 N TAMPA ST #7 TAMPA FL 336022601, 7, TAMPA, FL 33602-2601

Mortgage

Document Number	106451378
Date	Oct 18, 2018
Book Page	010645/001378
Instrument	220202

Lender

Name	CENTURY BK/FL
Type	Bank
Address	TAMPA, FL 33682-7704

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$104,825 (-1.08%) Land $11,500 Building $93,325	$104,825 (-1.08%) Land $11,500 Building $93,325
2025	$1,423.00 (-22.62%)	$105,974 (-5.69%) Land $11,500 Building $94,474	$105,974 (-5.69%) Land $11,500 Building $94,474
2023	$1,839.00 (+10.25%)	$112,370 (+16.99%) Land $11,000 Building $101,370	$112,370 (+16.99%) Land $11,000 Building $101,370
2022	$1,668.00	$96,047 Land $9,250 Building $86,797	$96,047 Land $9,250 Building $86,797

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
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

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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