3669 Covington Ln, Lakeland, FL 33810 Property Records

Polk County property record for 3669 Covington Ln, Lakeland, FL 33810

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,209 sqft · built 2008
Lot Size	0.184 acres (8,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (May 2019)
Tax Bill	$3,258 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-27-35-013503-016170`

Property Details

APN / Parcel Number

Primary APN	`23-27-35-013503-016170`
Alternative APNs	`352723013503016170` `52723000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,209 sqft Living Area
Gross Area	2,800 sqft
1st Floor Area	2,209 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	8,011 sqft (0.184 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	591 sqft
Porch	Unfinished Open Porch
Porch Area	165 sqft

Location & Zoning

Street Address	3669 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 17
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	17
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	2 Individual Names on Record
Mailing Address	3669 COVINGTON LN, LAKELAND, FL 33810-2710
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
May 7, 2019	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2019 · Amount on Record
Deed Sale	May 7, 2019 · Amount on Record
Prior Sale	Oct 7, 2009 · Amount on Record
Deed Document Number	201993933
Deed Book / Page	10834 / 1451
Prior Transfer Date	Nov 3, 2014
Prior Transfer Doc	0000188413
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3669 COVINGTON LN, LAKELAND, FL 33810-2710
Transaction Type	Mortgage
Record Updated	Aug 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3669 COVINGTON LN, LAKELAND, FL 33810-2710

Mortgage

Document Number	0000188327
Date	Jul 21, 2021
Book Page	11811/677
Instrument	2021188327

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 7, 2019
Property Address	3669 COVINGTON LN, LAKELAND, FL 33810-2710
Document Number	0108341451
Book / Page	010834 / 001451
Instrument Date	Apr 30, 2019
Instrument	93933
Transaction Type	Transfer
Record Updated	May 21, 2019
Title Company	SMART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	36689 COVINGTON LN LAKELAND FL 33810, LAKELAND, FL 33810

Mortgage

Document Number	108341453
Date	May 7, 2019
Book Page	010834/001453
Instrument	93934

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2049

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		$229,829 (+2.7%)	$292,901 (-5.19%) Land $50,000 Building $242,901
2025	$3,258.00 (+6.05%) Homeowner's exemption	$223,787 (+5.99%)	$308,932 (-4.13%) Land $50,000 Building $258,932
2023	$3,072.00 (+2.91%) Homeowner's exemption	$211,146 (+3%)	$322,252 (+11.8%) Land $48,000 Building $274,252
2022	$2,985.00 Homeowner's exemption	$204,996	$288,236 Land $40,000 Building $248,236

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	Low lower than 98% of the US · lower than 97.6% 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 278 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 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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