3640 Flat Rd, Lakeland, FL 33801 Property Records

Polk County property record for 3640 Flat Rd, Lakeland, FL 33801

Property Summary

Property Type	Mobile Home
Details	500 sqft · built 1970
Lot Size	0.119 acres (5,184 sqft)
Owner	Company Name on File
Last Sale	$315,000 (Oct 2018)
Tax Bill	$549 (2025)
Deeds & Mortgages	Oct 2018 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`24-28-26-000000-044450`

Property Details

APN / Parcel Number

Primary APN	`24-28-26-000000-044450`
Alternative APNs	`262824000000044450` `62824000`

Interior

Building Area	500 sqft Living Area
1st Floor Area	500 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Mobile Home
Lot Area	5,184 sqft (0.119 acres)
Lot Dimensions	103 ft deep x 50 ft wide

Location & Zoning

Street Address	3640 FLAT RD
City	LAKELAND
State	FL
Zip	33801-9438
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	DEED APPEARS IN ERROR E 50 FT OF N 123.64 FT OF N 9 AC M/L OF S 11.5 AC M/L OF W1/2 OF SW1/4 BEING LOT 22 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	22
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1010
Census Tract	11722

Owner

Source: Polk County assessment roll, as of June 23, 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 File
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	Verified Name on Deed
Last Sale	Oct 18, 2018 · Amount on Record
Deed Sale	Oct 18, 2018 · Amount on Record
Prior Sale	Nov 9, 1993
Deed Document Number	2018220200
Deed Book / Page	10645 / 1370
Record Updated	Sep 20, 2026

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Oct 18, 2018
Property Address	3640 FLAT RD, LAKELAND, FL 33801-9438
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 June 23, 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
2025	$549.00 (-39.6%)	$40,932 (+15.85%) Land $10,580 Building $30,352	$40,932 (+15.85%) Land $10,580 Building $30,352
2023	$909.00 (+6.57%)	$35,331 (+5.17%) Land $10,120 Building $25,211	$35,331 (+5.17%) Land $10,120 Building $25,211
2022	$853.00	$33,595 Land $8,510 Building $25,085	$33,595 Land $8,510 Building $25,085

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 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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