3657 Covington Ln, Lakeland, FL 33810 Property Records

Polk County property record for 3657 Covington Ln, Lakeland, FL 33810

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,710 sqft · built 2008
Lot Size	0.282 acres (12,284 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Jul 2021)
Tax Bill	$3,997 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-27-35-013503-016140`

Property Details

APN / Parcel Number

Primary APN	`23-27-35-013503-016140`
Alternative APNs	`352723013503016140` `52723000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,710 sqft Living Area
Gross Area	3,252 sqft
1st Floor Area	2,710 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	12,284 sqft (0.282 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	542 sqft
Porch	Screened/Unfinished Porch
Porch Area	165 sqft

Location & Zoning

Street Address	3657 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 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	16
Legal Lot Number	14
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1012
Census Tract	12126

Owner

3657 Covington Ln is owned and occupied by two individuals who bought it in July 2021.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3657 COVINGTON LN, LAKELAND, FL 33810-2710
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2021 · Amount on File
Deed Sale	Jul 12, 2021 · Amount on File
Prior Sale	Aug 21, 2008 · Amount on File
Deed Document Number	2021178241
Deed Book / Page	11795 / 1200
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 12, 2021
Property Address	3657 COVINGTON LN, LAKELAND, FL 33810-2710
Document Number	0000178241
Book / Page	11795 / 1200
Map Reference	MB 140 PG 1-9
Instrument Date	Jun 11, 2021
Instrument	2021178241
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	EQUITABLE TITLE/CELEBRATION, EQUITABLE TTL OF CELEBRATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2215 NEVADA RD, 2215, LAKELAND, FL 33803-2337

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3657 COVINGTON LN, LAKELAND, FL 33810-2710

Mortgage

Document Number	0117951202
Date	Jul 12, 2021
Instrument	11795/1202

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3657 Covington Ln was $3,997 with a homeowner's exemption.

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		$271,890 (+2.7%)	$334,093 (-5.36%) Land $50,000 Building $284,093
2025	$3,997.00 Homeowner's exemption	$264,742	$353,023 Land $50,000 Building $303,023
2023	$3,777.00 (+2.8%) Homeowner's exemption	$249,787 (+3%)	$369,359 (+10.89%) Land $48,000 Building $321,359
2022	$3,674.00 Homeowner's exemption	$242,512	$333,098 Land $40,000 Building $293,098

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

Flood

FEMA maps place 3657 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.

Wildfire

Wildfire risk around 3657 Covington Ln is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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