Polk County property record for 3661 Covington Ln, Lakeland, FL 33810
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 3,179 sqft · built 2008 |
| Lot Size | 0.347 acres (15,102 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $23,000 (Jun 2011) |
| Tax Bill | $3,659 (2025) |
| Deeds & Mortgages | Mar 2022 Second Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-27-35-013503-016150 |
| Primary APN | 23-27-35-013503-016150 |
|---|---|
| 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 |
| Upper Floors Area | 1,663 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 15,102 sqft (0.347 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 638 sqft |
| Porch | Florida Room |
| Porch Area | 230 sqft |
| Street Address | 3661 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 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 | 16 |
| Legal Lot Number | 15 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 12126 |
Source: Polk County records, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3661 COVINGTON LN, LAKELAND, FL 33810-2710 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 21, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Nov 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Jan 19, 2018 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2011 · Amount on Record |
| Deed Sale | Jun 2, 2011 · Amount on Record |
| Prior Sale | Aug 5, 2008 · Amount on Record |
| Deed Document Number | 201193095 |
| Deed Book / Page | 8399 / 824 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3661 COVINGTON LN, LAKELAND, FL 33810-2710 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3661 COVINGTON LN, LAKELAND, FL 33810-2710 |
| Document Number | 0000075174 |
|---|---|
| Date | Mar 21, 2022 |
| Book Page | 12169/1098 |
| Instrument | 2022075174 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 18, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3661 COVINGTON LN, LAKELAND, FL 33810-2710 |
| Document Number | 0114810633 |
| Instrument Date | Nov 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3661 COVINGTON LN LAKELAND FL 338102710, LAKELAND, FL 33810-2710 |
| Document Number | 0114810633 |
|---|---|
| Date | Dec 7, 2020 |
| Book Page | 011481/000633 |
| Instrument | 260955 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 6, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3661 COVINGTON LN, LAKELAND, FL 33810-2710 |
| Document Number | 0103781709 |
| Book / Page | 010378 / 001709 |
| Instrument Date | Jan 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3661 COVINGTON LN LAKELAND FL 338102710, LAKELAND, FL 33810-2710 |
| Document Number | 0103781709 |
|---|---|
| Date | Jan 25, 2018 |
| Book Page | 010378/001709 |
| Instrument | 19039 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 24, 2048 |
Source: Polk County assessment roll, as of June 23, 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 |
|---|---|---|---|
| 2025 | $3,659.00 (+5.9%) Homeowner's exemption | $246,028 (+5.99%) | $407,455 (-2.66%) Land $50,000 Building $357,455 |
| 2023 | $3,455.00 (+2.86%) Homeowner's exemption | $232,130 (+3%) | $418,568 (+21.96%) Land $48,000 Building $370,568 |
| 2022 | $3,359.00 Homeowner's exemption | $225,369 | $343,189 Land $40,000 Building $303,189 |
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 | 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.
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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