3645 Covington Ln, Lakeland, FL 33810 Property Records

Polk County property record for 3645 Covington Ln, Lakeland, FL 33810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,422 sqft · built 2007
Lot Size	0.152 acres (6,599 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (May 2018)
Tax Bill	$5,217 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-27-35-013503-016110`

Property Details

APN / Parcel Number

Primary APN	`23-27-35-013503-016110`
Alternative APNs	`352723013503016110` `52723000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,422 sqft Living Area
Gross Area	2,829 sqft
1st Floor Area	1,057 sqft
Upper Floors Area	1,365 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,599 sqft (0.152 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	407 sqft
Porch	Finished/Open Porch
Porch Area	30 sqft

Location & Zoning

Street Address	3645 COVINGTON LN
City	LAKELAND
State	FL
Zip	33810-2710
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMPTON HILLS SOUTH PHASE 2 PB 140 PGS 1-9 BLOCK 16 LOT 11
Legal Range	23E
Legal Township	27S
Legal Section	35
Legal Subdivision	HAMPTON HILLS SOUTH PHASE 2
Legal Phase	2
Legal Tract	13503
Legal Block	16
Legal Lot Number	11
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1012
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	Individual Name on Record
Mailing Address	3645 COVINGTON LN, LAKELAND, FL 33810-2710
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2018 · Amount on Record
Deed Sale	May 14, 2018 · Amount on Record
Prior Sale	Aug 28, 2015 · Amount on Record
Deed Document Number	2018102570
Deed Book / Page	10484 / 82
Prior Transfer Date	May 29, 2013
Prior Transfer Doc	0000101121
Record Updated	Oct 29, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 14, 2018
Property Address	3645 COVINGTON LN, LAKELAND, FL 33810-2710
Document Number	0104840082
Book / Page	010484 / 000082
Instrument Date	May 1, 2018
Instrument	102570
Transaction Type	Transfer
Record Updated	Jun 7, 2018
Title Company	HOME SOLUTION TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 WEATHERLY PL NANTUCKET MA 025541427, NANTUCKET, MA 02554-1427

Mortgage

Document Number	104840083
Date	May 14, 2018
Book Page	010484/000083
Instrument	102571

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2048

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		$274,617 (-4.92%) Land $50,000 Building $224,617	$274,617 (-5.35%) Land $50,000 Building $224,617
2025	$5,217.00 (+11.69%)	$288,814 (-3.03%)	$290,146 (-2.58%) Land $50,000 Building $240,146
2023	$4,671.00 (+13.95%)	$297,830 (+25.36%) Land $48,000 Building $249,830	$297,830 (+25.36%) Land $48,000 Building $249,830
2022	$4,099.00	$237,573 Land $40,000 Building $197,573	$237,573 Land $40,000 Building $197,573

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