3707 Covington Ln, Lakeland, FL 33810 Property Records

Polk County property record for 3707 Covington Ln, Lakeland, FL 33810

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,179 sqft · built 2008
Lot Size	0.162 acres (7,035 sqft)
Owner	2 Individual Names on Record
Last Sale	$359,900 (Jan 2021)
Tax Bill	$6,026 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-27-35-013503-016260`

Property Details

APN / Parcel Number

Primary APN	`23-27-35-013503-016260`
Alternative APNs	`352723013503016260` `52723000`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,179 sqft Living Area
Gross Area	3,817 sqft
1st Floor Area	1,516 sqft
Upper Floors Area	1,663 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	7,035 sqft (0.162 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	638 sqft
Porch	Unfinished Open Porch
Porch Area	230 sqft

Location & Zoning

Street Address	3707 COVINGTON LN
City	LAKELAND
State	FL
Zip	33810-2734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMPTON HILLS SOUTH PHASE 2 PB 140 PGS 1-9 BLOCK 16 LOT 26
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	26
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	3707 COVINGTON LN, LAKELAND, FL 33810-2734
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2021	Warranty Deed, Transfer · Conventional with PMI JP MORGAN CHASE BK
May 14, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2021 · Amount on Record
Deed Sale	Jan 27, 2021 · Amount on Record
Prior Sale	Oct 3, 2012 · Amount on Record
Deed Document Number	202121046
Deed Book / Page	11554 / 536
Prior Transfer Date	Apr 12, 2013
Prior Transfer Doc	0000079018
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 27, 2021
Property Address	3707 COVINGTON LN, LAKELAND, FL 33810-2734
Document Number	0115540536
Book / Page	011554 / 000536
Instrument Date	Jan 22, 2021
Instrument	21046
Transaction Type	Transfer
Record Updated	Feb 11, 2021
Title Company	GOLDEN RULE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,519.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3707 COVINGTON LN LAKELAND FL 338102734, LAKELAND, FL 33810-2734

Mortgage

Document Number	115540538
Date	Jan 27, 2021
Book Page	011554/000538
Instrument	21047

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3707 COVINGTON LN, LAKELAND, FL 33810-2734
Document Number	0112811189
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3707 COVINGTON LN LAKELAND FL 338102734, LAKELAND, FL 33810-2734

Mortgage

Document Number	0112811189
Date	Jun 29, 2020
Book Page	011281/001189
Instrument	129710

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 28, 2045

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		$358,505 (-4.97%) Land $50,000 Building $308,505	$358,505 (-4.97%) Land $50,000 Building $308,505
2025	$6,026.00 (-4.49%) Homeowner's exemption	$377,264 (-2.93%) Land $50,000 Building $327,264	$377,264 (-2.93%) Land $50,000 Building $327,264
2023	$6,309.00 (+9.34%) Homeowner's exemption	$388,669 (+23.73%) Land $48,000 Building $340,669	$388,669 (+23.73%) Land $48,000 Building $340,669
2022	$5,770.00	$314,128 Land $40,000 Building $274,128	$314,128 Land $40,000 Building $274,128

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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