Polk County property record for 3551 Bowdens Rd, Lakeland, FL 33812
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,307 sqft · built 2021 |
| Lot Size | 0.269 acres (11,718 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $599,900 (Apr 2022) |
| Tax Bill | $5,668 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-29-10-280568-000320 |
| Primary APN | 24-29-10-280568-000320 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,307 sqft Living Area |
| Gross Area | 3,072 sqft |
| 1st Floor Area | 2,307 sqft |
| Flooring | Wood |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 11,718 sqft (0.269 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 765 sqft |
| Pool Type | Enclosed Pool |
| Porch | Finished/Open Porch |
| Street Address | 3551 BOWDENS RD |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33812-4489 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKESIDE HERITAGE PHASE 2 PB 176 PG 17-19 LOT 32 |
| Legal Range | 24E |
| Legal Township | 29S |
| Legal Section | 10 |
| Legal Subdivision | LAKESIDE HERITAGE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 32 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 11834 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 3551 BOWDENS RD, LAKELAND, FL 33812-4489 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Revocable Trust |
| Date | Document |
|---|---|
| Apr 14, 2022 | Warranty Deed, Transfer · Conventional Mortgage ADVANCIAL FCU |
| Aug 27, 2020 | Warranty Deed, Subdivision Related Transfer MORTGAGE FIRM |
| Aug 4, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 14, 2022 · Amount on Record |
| Deed Sale | Apr 14, 2022 · Amount on Record |
| Prior Sale | Aug 27, 2020 · Amount on Record |
| Deed Document Number | 2022102827 |
| Deed Book / Page | 12210 / 1649 |
| Prior Transfer Date | Aug 19, 2020 |
| Prior Transfer Doc | 0000176955 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 14, 2022 |
| Property Address | 3551 BOWDENS RD, LAKELAND, FL 33812-4489 |
| Document Number | 0000102827 |
| Book / Page | 12210 / 1649 |
| Map Reference | MB 176 PG 17-19 |
| Instrument Date | Apr 8, 2022 |
| Instrument | 2022102827 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2023 |
| Title Company | UNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,199.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2125 SANDRA BEAUJARD BLVD APT 105, 105, LAKELAND, FL 33813-3173 |
| Name | Verified Name |
|---|---|
| Address | 247 PRAIRIEVIEW DR, GENEVA, IL 60134-4619 |
| Document Number | 0122101651 |
|---|---|
| Date | Apr 14, 2022 |
| Instrument | 12210/1651 |
| Name | ADVANCIAL FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Type Change Date | May 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 4.12% |
| Max Rate At Change | 6.12% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 10.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 27, 2020 |
| Property Address | 3551 BOWDENS RD, LAKELAND, FL 33812-4489 |
| Document Number | 0113522180 |
| Book / Page | 011352 / 002180 |
| Instrument Date | Aug 19, 2020 |
| Instrument | 176956 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 4, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $518.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4151 AUDUBON OAKS CIR #101 LAKELAND FL 338095941, 101, LAKELAND, FL 33809-5941 |
| Document Number | 113522182 |
|---|---|
| Date | Aug 27, 2020 |
| Book Page | 011352/002182 |
| Instrument | 176957 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 26, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 4, 2020 |
| Property Address | 3551 BOWDENS RD, LAKELAND, FL 33812-4489 |
| Document Number | 0113221278 |
| Book / Page | 011322 / 001278 |
| Instrument Date | Jul 31, 2020 |
| Instrument | 157050 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $833.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 639 MIDFLORIDA DR #1 LAKELAND FL 338134925, 1, LAKELAND, FL 33813-4925 |
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 | $517,506 (+8.12%) Land $80,000 Building $437,506 | $517,506 (+8.12%) Land $80,000 Building $437,506 | |
| 2025 | $5,668.00 (-17.11%) Homeowner's exemption | $478,661 (+0.54%) Land $80,000 Building $398,661 | $478,661 (+0.54%) Land $80,000 Building $398,661 |
| 2023 | $6,838.00 (+28.41%) | $476,095 (+19.56%) Land $78,000 Building $398,095 | $476,095 (+19.56%) Land $78,000 Building $398,095 |
| 2022 | $5,325.00 | $398,220 Land $74,000 Building $324,220 | $398,220 Land $74,000 Building $324,220 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 14 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 3 (2003–2004) |
| Most Recent Claim | Sep 2004 · Hurricane Frances |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
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 | SOUTHWEST/POLK COUNTY UTILITY serves 39,209 people · EPA ID FL6530852 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 11 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 356 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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