Polk County property record for 3642 Covington Ln, Lakeland, FL 33810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,665 sqft · built 2007 |
| Lot Size | 0.177 acres (7,701 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $256,900 (Jan 2019) |
| Tax Bill | $5,518 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-27-35-013503-017150 |
| Primary APN | 23-27-35-013503-017150 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,665 sqft Living Area |
| Gross Area | 3,235 sqft |
| 1st Floor Area | 2,665 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 7,701 sqft (0.177 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 570 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 166 sqft |
| Street Address | 3642 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 15 |
| 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 | 15 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 12126 |
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 | 3642 COVINGTON LN, LAKELAND, FL 33810-2709 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2020 | Deed of Trust, Mortgage · Conventional with PMI NBKC BK |
| Jan 4, 2019 | Warranty Deed, Transfer · Conventional with PMI LANDMARK MORTGAGE & ASSOCIATES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 4, 2019 · Amount on Record |
| Deed Sale | Jan 4, 2019 · Amount on Record |
| Prior Sale | Mar 20, 2012 · Amount on Record |
| Deed Document Number | 20192116 |
| Deed Book / Page | 10715 / 285 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3642 COVINGTON LN, LAKELAND, FL 33810-2709 |
| Document Number | 0112920174 |
| Instrument Date | Jun 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 911 W ESKRIDGE AVE STILLWATER OK 740754002, STILLWATER, OK 74075-4002 |
| Document Number | 0112920174 |
|---|---|
| Date | Jul 8, 2020 |
| Book Page | 011292/000174 |
| Instrument | 136486 |
| Name | NBKC BK |
|---|---|
| Address | KANSAS CITY, MO 64114 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 7, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 4, 2019 |
| Property Address | 3642 COVINGTON LN, LAKELAND, FL 33810-2709 |
| Document Number | 0107150285 |
| Book / Page | 010715 / 000285 |
| Instrument Date | Dec 27, 2018 |
| Instrument | 2116 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2019 |
| Title Company | REAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,798.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3642 COVINGTON LN LAKELAND FL 338102709, LAKELAND, FL 33810-2709 |
| Document Number | 107150286 |
|---|---|
| Date | Jan 4, 2019 |
| Book Page | 010715/000286 |
| Instrument | 2117 |
| Name | LANDMARK MORTGAGE & ASSOCIATES INC |
|---|---|
| Type | Bank |
| Address | LAKELAND, FL 33801 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 3, 2049 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Lakeland City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $327,234 (-6.25%) Land $50,000 Building $277,234 | $327,234 (-6.25%) Land $50,000 Building $277,234 | |
| 2025 | $5,518.00 (-3.26%) Homeowner's exemption | $349,065 (-4.4%) Land $50,000 Building $299,065 | $349,065 (-4.4%) Land $50,000 Building $299,065 |
| 2023 | $5,704.00 (+9.78%) | $365,117 (+12.05%) Land $48,000 Building $317,117 | $365,117 (+12.05%) Land $48,000 Building $317,117 |
| 2022 | $5,196.00 | $325,860 Land $40,000 Building $285,860 | $325,860 Land $40,000 Building $285,860 |
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 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.
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.
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 |
| 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.
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 |
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