3723 Covington Ln, Lakeland, FL 33810 Property Records

Polk County property record for 3723 Covington Ln, Lakeland, FL 33810

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,953 sqft · built 2007
Lot Size	0.162 acres (7,035 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jan 2024)
Tax Bill	$6,617 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jan 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-27-35-013503-016300`

Property Details

APN / Parcel Number

Primary APN	`23-27-35-013503-016300`
Alternative APNs	`352723013503016300` `52723000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,953 sqft Living Area
Gross Area	3,555 sqft
1st Floor Area	1,873 sqft
Upper Floors Area	1,080 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	7,035 sqft (0.162 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	602 sqft
Porch	Unfinished Open Porch
Porch Area	326 sqft

Location & Zoning

Street Address	3723 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 30
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	30
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	3723 COVINGTON LN, LAKELAND, FL 33810-2734
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jan 29, 2024	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jan 29, 2024	Intrafamily Transfer, Transfer SMART TITLE II LLC, SMART TITLE LLC
May 7, 2018	Warranty Deed, Transfer · Conventional with PMI 20040000306 LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2024 · Amount on Record
Deed Sale	Jan 29, 2024 · Amount on Record
Prior Sale	May 7, 2018 · Amount on Record
Deed Document Number	202421250
Deed Book / Page	12987 / 1023
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3723 COVINGTON LN, LAKELAND, FL 33810-2734
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3723 COVINGTON LN, LAKELAND, FL 33810-2734

Mortgage

Document Number	0000223522
Date	Sep 23, 2025
Book Page	13709/684
Instrument	2025223522

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Feb 1, 2054

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 29, 2024
Property Address	3723 COVINGTON LN, LAKELAND, FL 33810-2734
Document Number	0000021250
Book / Page	12987 / 1023
Map Reference	MB 140 PG 1
Instrument Date	Jan 22, 2024
Instrument	2024021250
Transaction Type	Transfer
Record Updated	Feb 7, 2024
Title Company	SMART TITLE II LLC, SMART TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3723 COVINGTON LN, LAKELAND, FL 33810-2734

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3723 COVINGTON LN, LAKELAND, FL 33810-2734

Mortgage

Document Number	0129871025
Date	Jan 29, 2024
Instrument	12987/1025

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Jan 29, 2024
Property Address	3723 COVINGTON LN, LAKELAND, FL 33810-2734
Document Number	0000021249
Book / Page	12987 / 1021
Map Reference	MB 140 PG 1
Instrument Date	Jan 19, 2024
Instrument	2024021249
Transaction Type	Transfer
Record Updated	Feb 7, 2024
Title Company	SMART TITLE II LLC, SMART TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	507 7TH ST S, DUNDEE, FL 33838-4333

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3723 COVINGTON LN, LAKELAND, FL 33810-2734

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 7, 2018
Property Address	3723 COVINGTON LN, LAKELAND, FL 33810-2734
Document Number	0104770943
Book / Page	010477 / 000943
Instrument Date	Apr 30, 2018
Instrument	97589
Transaction Type	Transfer
Record Updated	May 25, 2018
Title Company	SMART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7323 COVINGTON LN LAKELAND FL 33810, LAKELAND, FL 33810

Mortgage

Document Number	104770945
Date	May 7, 2018
Book Page	010477/000945
Instrument	97590

Lender

Name	20040000306 LLC
Address	11107 SUNSET HILLS RD # 200, RESTON, VA 20190-5376

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2048

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		$242,278 (-33.95%)	$345,456 (-5.82%) Land $50,000 Building $295,456
2025	$6,617.00 (+85.19%)	$366,816 (+53.74%) Land $50,000 Building $316,816	$366,816 (-3.38%) Land $50,000 Building $316,816
2023	$3,573.00 (+2.85%) Homeowner's exemption	$238,596 (+3%)	$379,659 (+20.74%) Land $48,000 Building $331,659
2022	$3,474.00 Homeowner's exemption	$231,647	$314,438 Land $40,000 Building $274,438

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.

Nearby Properties on Covington Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures