3715 Covington Ln, Lakeland, FL 33810 Property Records

Polk County property record for 3715 Covington Ln, Lakeland, FL 33810

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,249 sqft · built 2007
Lot Size	0.161 acres (7,031 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,200 (Dec 2020)
Tax Bill	$3,674 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Sep 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-27-35-013503-016280`

Property Details

APN / Parcel Number

Primary APN	`23-27-35-013503-016280`
Alternative APNs	`352723013503016280` `52723000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,249 sqft Living Area
Gross Area	2,889 sqft
1st Floor Area	2,249 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	7,031 sqft (0.161 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	640 sqft
Porch	Screened/Unfinished Porch
Porch Area	196 sqft

Location & Zoning

Street Address	3715 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 28
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	28
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1012
Census Tract	12126

Owner

Source: Polk County records, as of October 12, 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	3715 COVINGTON LN, LAKELAND, FL 33810-2734
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Grant Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG
Sep 18, 2020	Grant Deed, Transfer ATTORNEY ONLY
Jul 29, 2019	Foreclosure NOT AVAILABLE
Feb 24, 2017	Warranty Deed, Transfer · FHA Mortgage FRANKLIN AMERICAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2020 · Amount on Record
Deed Sale	Dec 9, 2020 · Amount on Record
Prior Sale	Jul 29, 2019 · Amount on Record
Deed Document Number	2020264469
Deed Book / Page	11486 / 1337
Prior Transfer Date	Jul 26, 2019
Prior Transfer Doc	0109210667
Record Updated	Oct 29, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 9, 2020
Property Address	3715 COVINGTON LN, LAKELAND, FL 33810-2734
Document Number	0114861337
Book / Page	011486 / 001337
Instrument Date	Dec 4, 2020
Instrument	264469
Transaction Type	Transfer
Record Updated	Dec 24, 2020
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,786.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3715 COVINGTON LN LAKELAND FL 338102734, LAKELAND, FL 33810-2734

Mortgage

Document Number	114861338
Date	Dec 9, 2020
Book Page	011486/001338
Instrument	264470

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2050

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Sep 18, 2020
Property Address	3715 COVINGTON LN, LAKELAND, FL 33810-2734
Document Number	0113801007
Book / Page	011380 / 001007
Instrument Date	Aug 12, 2020
Instrument	195119
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

July 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	POLK FL
Recording Date	Jul 29, 2019
Property Address	3715 COVINGTON LN, LAKELAND, FL 33810-2734
Document Number	0109210667
Book / Page	010921 / 000667
Instrument Date	Jul 15, 2019
Instrument	157558
Transaction Type	Foreclosure
Record Updated	Oct 7, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$43.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	425 PHILLIPS BLVD EWING NJ 086181430, EWING, NJ 08618-1430
Investor	Possibly a Property Investor

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 24, 2017
Property Address	3715 COVINGTON LN, LAKELAND, FL 33810-2734
Document Number	0100750314
Book / Page	010075 / 000314
Instrument Date	Feb 23, 2017
Instrument	37101
Transaction Type	Transfer
Record Updated	Jun 22, 2017
Title Company	ALL AMERICAN TITLE AFFILIATES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3715 COVINGTON LN LAKELAND FL 338102734, LAKELAND, FL 33810-2734

Mortgage

Document Number	100750316
Date	Feb 24, 2017
Book Page	010075/000316
Instrument	37102

Lender

Name	FRANKLIN AMERICAN MTG
Type	Mortgage Company
Address	PITTSBURGH, PA 15220

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2047

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		$253,549 (+2.7%)	$299,497 (-6.08%) Land $50,000 Building $249,497
2025	$3,674.00 (+5.88%) Homeowner's exemption	$246,883 (+5.99%)	$318,894 (-4.12%) Land $50,000 Building $268,894
2023	$3,470.00 (+2.88%) Homeowner's exemption	$232,937 (+3%)	$332,599 (+13.28%) Land $48,000 Building $284,599
2022	$3,373.00 Homeowner's exemption	$226,152	$293,598 Land $40,000 Building $253,598

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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