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3685 Covington Ln, Lakeland, FL 33810 Property Records

Polk County property record for 3685 Covington Ln, Lakeland, FL 33810

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,209 sqft · built 2008
Lot Size0.162 acres (7,035 sqft)
Owner2 Individual Names on Record
Tax Bill$2,303 (2025)
Deeds & MortgagesAug 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN23-27-35-013503-016210

Property Details

APN / Parcel Number

Primary APN23-27-35-013503-016210
Alternative APNs
  • 352723013503016210
  • 52723000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,209 sqft Living Area
Gross Area2,800 sqft
1st Floor Area2,209 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2008
Effective Year BuiltEffective 2008
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area7,035 sqft (0.162 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area591 sqft
PorchUnfinished Open Porch
Porch Area165 sqft

Location & Zoning

Street Address3685 COVINGTON LN
CityLAKELAND
StateFL
Zip33810-2710
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHAMPTON HILLS SOUTH PHASE 2 PB 140 PGS 1-9 BLOCK 16 LOT 21
Legal Range23E
Legal Township27S
Legal Section35
Legal SubdivisionHAMPTON HILLS SOUTH PHASE 2
Legal Phase2
Legal Tract13503
Legal Block16
Legal Lot Number21
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group1
Census Block1012
Census Tract12126

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 Record2 Individual Names on Record
Mailing Address3685 COVINGTON LN, LAKELAND, FL 33810-2710
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 24, 2021
Deed SaleAug 24, 2021
Prior SaleOct 6, 2008 · Amount on Record
Deed Document Number2021220026
Deed Book / Page11860 / 25
Prior Transfer DateAug 11, 2021
Prior Transfer Doc0000220026
Record UpdatedOct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateAug 24, 2021
Property Address3685 COVINGTON LN, LAKELAND, FL 33810-2710
Document Number0000220026
Book / Page11860 / 25
Map ReferenceMB 140 PG 1
Instrument DateAug 11, 2021
Instrument2021220026
Transaction TypeTransfer
Record UpdatedSep 6, 2021
Title CompanyTITLE 365, TITLE365

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3685 COVINGTON LN, LAKELAND, FL 33810-2710

Mortgage

Document Number0001186029
DateAug 24, 2021
Instrument11860/29
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term241 Months
DueSep 1, 2041

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityLakeland City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$175,496 (+2.7%)$298,901 (-3.71%) Land $50,000 Building $248,901
2025$2,303.00 (+6.52%) Homeowner's exemption$170,882 (+5.99%)$310,432 (-4.11%) Land $50,000 Building $260,432
2023$2,162.00 (+3.25%) Homeowner's exemption$161,229 (+3%)$323,752 (+11.74%) Land $48,000 Building $275,752
2022$2,094.00 Homeowner's exemption$156,533$289,736 Land $40,000 Building $249,736

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 17 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies17 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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCITY OF LAKELAND
serves 193,297 people · EPA ID FL6531014
Water SourceGroundwater
Last State InspectionJul 2022
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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

ProviderMax 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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