Polk County property record for 3810 Bent Tree Loop W, Lakeland, FL 33813
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,334 sqft · built 1979 |
| Lot Size | 0.197 acres (8,573 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $298,500 (Dec 2023) |
| Tax Bill | $3,325 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Mar 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-29-05-274690-001310 |
| Primary APN | 24-29-05-274690-001310 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,334 sqft Living Area |
| Gross Area | 1,809 sqft |
| 1st Floor Area | 1,334 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,573 sqft (0.197 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 475 sqft |
| Pool Area | 450 sqft |
| Cooling System | Central |
|---|
| Street Address | 3810 BENT TREE LOOP W |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33813-1307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA3 |
| Legal Description | THE MEADOWS PB 65 PGS 24 THRU 26 LOT 131 |
| Legal Range | 24E |
| Legal Township | 29S |
| Legal Section | 05 |
| Legal Subdivision | MEADOWS THE |
| Legal Tract | 274690 |
| Legal Block | 2 |
| Legal Lot Number | 131 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 10603 |
3810 Bent Tree Loop W is owned and occupied by two individuals who bought it in December 2023.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3810 BENT TREE LOOP W, LAKELAND, FL 33813-1307 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 28, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 27, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jun 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 2023 · Amount on File |
| Deed Sale | Dec 28, 2023 · Amount on File |
| Prior Sale | Jul 9, 2013 · Amount on File |
| Deed Document Number | 2023301042 |
| Deed Book / Page | 12953 / 2133 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 28, 2023 |
| Property Address | 3810 BENT TREE LOOP W, LAKELAND, FL 33813-1307 |
| Document Number | 0000301042 |
| Book / Page | 12953 / 2133 |
| Map Reference | MB 65 PG 24-26 |
| Instrument Date | Dec 22, 2023 |
| Instrument | 2023301042 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2024 |
| Title Company | TITLE SOLUTIONS/NAPLE, TITLE SOLUTIONS GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,089.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 101 TORGERSEN LN, DAVENPORT, FL 33837-6602 |
| Name | Verified Name |
|---|---|
| Address | 3810 BENT TREE LOOP W, LAKELAND, FL 33813-1307 |
| Document Number | 0129532135 |
|---|---|
| Date | Dec 28, 2023 |
| Instrument | 12953/2135 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3810 BENT TREE LOOP W, LAKELAND, FL 33813-1307 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3810 BENT TREE LOOP W, LAKELAND, FL 33813-1307 |
| Document Number | 0000070782 |
|---|---|
| Date | Mar 27, 2023 |
| Book Page | 12630/1160 |
| Instrument | 2023070782 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 17, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3810 BENT TREE LOOP W, LAKELAND, FL 33813-1307 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000151064 |
|---|---|
| Date | Jun 2, 2022 |
| Book Page | 12280/216 |
| Instrument | 2022151064 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3810 BENT TREE LOOP W, LAKELAND, FL 33813-1307 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000211642 |
|---|---|
| Date | Aug 13, 2021 |
| Book Page | 11847/887 |
| Instrument | 2021211642 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3810 BENT TREE LOOP W, LAKELAND, FL 33813-1307 |
| Document Number | 0114491956 |
| Instrument Date | Nov 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3810 BENT TREE LOOP W LAKELAND FL 338131307, LAKELAND, FL 33813-1307 |
| Document Number | 0114491956 |
|---|---|
| Date | Nov 9, 2020 |
| Book Page | 011449/001956 |
| Instrument | 240169 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 8, 2040 |
The 2025 property tax bill for 3810 Bent Tree Loop W was $3,325 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Lakeland City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $212,353 (-6.66%) Land $35,000 Building $177,353 | $212,353 (-6.66%) Land $35,000 Building $177,353 | |
| 2025 | $3,325.00 Homeowner's exemption | $227,497 Land $35,000 Building $192,497 | $227,497 Land $35,000 Building $192,497 |
| 2023 | $903.00 (+4.76%) Homeowner's exemption | $92,136 (+3%) | $216,739 (+9.29%) Land $34,000 Building $182,739 |
| 2022 | $862.00 Homeowner's exemption | $89,452 | $198,308 Land $32,000 Building $166,308 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 3810 Bent Tree Loop W in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 52 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 52 in force |
| Nearby Flood Claims | 3 (2002–2022) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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 risk around 3810 Bent Tree Loop W is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 138 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 |
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