3630 Covington Ln, Lakeland, FL 33810 Property Records

Polk County property record for 3630 Covington Ln, Lakeland, FL 33810

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,179 sqft · built 2007
Lot Size	0.29 acres (12,637 sqft)
Owner	2 Individual Names on Record
Last Sale	$338,900 (Jun 2007)
Tax Bill	$6,748 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-27-35-013503-017170`

Property Details

APN / Parcel Number

Primary APN	`23-27-35-013503-017170`
Alternative APNs	`352723013503017170` `52723000`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,179 sqft Living Area
Gross Area	3,817 sqft
1st Floor Area	1,516 sqft
Flooring	Carpet

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	12,637 sqft (0.29 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	638 sqft
Porch	Unfinished Open Porch
Porch Area	230 sqft

Location & Zoning

Street Address	3630 COVINGTON LN
City	LAKELAND
State	FL
Zip	33810-2709
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMPTON HILLS SOUTH PHASE 2 PB 140 PGS 1-9 BLOCK 17 LOT 17
Legal Range	23E
Legal Township	27S
Legal Section	35
Legal Subdivision	HAMPTON HILLS SOUTH PHASE 2
Legal Phase	2
Legal Tract	13503
Legal Block	17
Legal Lot Number	17
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1041
Census Tract	12126

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	2 Individual Names on Record
Mailing Address	3630 COVINGTON LN, LAKELAND, FL 33810-2709
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2007 · Amount on Record
Deed Sale	Jun 6, 2007 · Amount on Record
Deed Document Number	2007119810
Deed Book / Page	7313 / 1079
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3630 COVINGTON LN, LAKELAND, FL 33810-2709
Document Number	0114161588
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3630 COVINGTON LN LAKELAND FL 338102709, LAKELAND, FL 33810-2709

Mortgage

Document Number	0114161588
Date	Oct 16, 2020
Book Page	011416/001588
Instrument	219155

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2050

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Lakeland City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$355,039 (-4.86%) Land $50,000 Building $305,039	$355,039 (-5.64%) Land $50,000 Building $305,039
2025	$6,748.00 (+11.54%)	$373,175 (-3.74%)	$376,264 (-2.94%) Land $50,000 Building $326,264
2023	$6,050.00 (+13.85%)	$387,669 (+25%) Land $48,000 Building $339,669	$387,669 (+25%) Land $48,000 Building $339,669
2022	$5,314.00	$310,127 Land $40,000 Building $270,127	$310,127 Land $40,000 Building $270,127

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

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 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 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

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

Wildfire Risk	Not rated no burnable land within 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 621 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