Polk County property record for 3648 Covington Ln, Lakeland, FL 33810
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 3,179 sqft · built 2007 |
| Lot Size | 0.152 acres (6,599 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $416,000 (Dec 2023) |
| Tax Bill | $6,483 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Dec 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-27-35-013503-017140 |
| Primary APN | 23-27-35-013503-017140 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,179 sqft Living Area |
| Gross Area | 3,999 sqft |
| 1st Floor Area | 1,516 sqft |
| Flooring | Carpet |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 6,599 sqft (0.152 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 638 sqft |
| Porch | Porch |
| Porch Area | 230 sqft |
| Total Buildings | 2 Buildings |
| Street Address | 3648 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 14 |
| 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 | 14 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 12126 |
3648 Covington Ln is owned and occupied by two individuals who bought it in December 2023.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3648 COVINGTON LN, LAKELAND, FL 33810-2709 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 26, 2023 | Deed of Trust, Mortgage · FHA Mortgage NFM INC |
| Dec 13, 2023 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Sep 27, 2019 | Warranty Deed, Transfer · FHA Mortgage NFM LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2023 · Amount on File |
| Deed Sale | Dec 13, 2023 · Amount on File |
| Prior Sale | Sep 27, 2019 · Amount on File |
| Deed Document Number | 2023290258 |
| Deed Book / Page | 12938 / 1506 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3648 COVINGTON LN, LAKELAND, FL 33810-2709 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | SOURCEPOINT |
| Name | Verified Name |
|---|---|
| Address | 3648 COVINGTON LN, LAKELAND, FL 33810-2709 |
| Document Number | 0000173254 |
|---|---|
| Date | Jul 26, 2023 |
| Book Page | 12776/1296 |
| Instrument | 2023173254 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 13, 2023 |
| Property Address | 3648 COVINGTON LN, LAKELAND, FL 33810-2709 |
| Document Number | 0000290258 |
| Book / Page | 12938 / 1506 |
| Map Reference | MB 140 PG 1 |
| Instrument Date | Dec 6, 2023 |
| Instrument | 2023290258 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2023 |
| Title Company | HILLSBOROUGH TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,912.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2800 LAKELAND HILLS BLVD UNIT 93436, 93436, LAKELAND, FL 33804-7139 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3648 COVINGTON LN, LAKELAND, FL 33810-2709 |
| Document Number | 0129381509 |
|---|---|
| Date | Dec 13, 2023 |
| Instrument | 12938/1509 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3648 COVINGTON LN, LAKELAND, FL 33810-2709 |
| Document Number | 0114031152 |
| Instrument Date | Aug 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2020 |
| Title Company | CORELOGIC-SOLUTIONS EXPRESS |
| Name | Verified Name |
|---|---|
| Address | 3648 COVINGTON LN LAKELAND FL 338102709, LAKELAND, FL 33810-2709 |
| Document Number | 0114031152 |
|---|---|
| Date | Oct 7, 2020 |
| Book Page | 011403/001152 |
| Instrument | 210225 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 6, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 27, 2019 |
| Property Address | 3648 COVINGTON LN, LAKELAND, FL 33810-2709 |
| Document Number | 0109881510 |
| Book / Page | 010988 / 001510 |
| Instrument Date | Sep 20, 2019 |
| Instrument | 205962 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,114.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3648 COVINGTON LN LAKELAND FL 338102709, LAKELAND, FL 33810-2709 |
| Document Number | 109881511 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 010988/001511 |
| Instrument | 205963 |
| Name | NFM LNDG |
|---|---|
| Address | LINTHICUM, MD 21090 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 26, 2049 |
The 2025 property tax bill for 3648 Covington Ln was $6,483 with a homeowner's exemption.
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 | $387,040 (-3.85%) Land $50,000 Building $337,040 | $387,040 (-4.29%) Land $50,000 Building $337,040 | |
| 2025 | $6,483.00 Homeowner's exemption | $402,555 | $404,377 Land $50,000 Building $354,377 |
| 2023 | $5,711.00 (+2.61%) Homeowner's exemption | $355,907 (+3%) | $416,739 (+20.6%) Land $48,000 Building $368,739 |
| 2022 | $5,566.00 Homeowner's exemption | $345,541 Land $40,000 Building $305,541 | $345,541 Land $40,000 Building $305,541 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3648 Covington Ln in Zone X, an area of minimal flood risk.
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 File 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.
The area around 3648 Covington Ln has no burnable land within ember reach, so its wildfire risk is not rated.
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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