Polk County property record for 3839 Country Loop E, Lakeland, FL 33811
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,308 sqft · built 1987 |
| Lot Size | 0.252 acres (10,990 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $152,000 (Jul 2018) |
| Tax Bill | $1,278 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Feb 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-29-03-000000-011270 |
| Primary APN | 23-29-03-000000-011270 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,308 sqft Living Area |
| Gross Area | 1,620 sqft |
| 1st Floor Area | 1,308 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,990 sqft (0.252 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 16 sqft |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|
| Street Address | 3839 COUNTRY LOOP E |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33811-1308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | BEG NW COR OF NE1/4 OF NE1/4 RUN S 404.26 FT E 1114.96 FT FOR POB CONT E 157.95 FT S 27 DEG 27 MIN 22 SEC W 115 FT N 62 DEG 32 MIN 38 SEC W 140 FT N 27 DEG 27 MIN 22 SEC E 41.18 FT TO POB BEING LOT 107 OF UNRE COUNTRY VILLAGE |
| Legal Range | 23E |
| Legal Township | 29S |
| Legal Section | 03 |
| Legal Subdivision | CLARK STONE SUBDIVISION |
| Legal Tract | 000000 |
| Legal Block | 3 |
| Legal Lot Number | 107 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 11902 |
Source: Polk County records, as of June 23, 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 | 3839 COUNTRY LOOP E, LAKELAND, FL 33811-1308 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 14, 2025 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CU |
| Feb 24, 2023 | Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Mar 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jul 12, 2018 | Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2018 · Amount on Record |
| Deed Sale | Jul 12, 2018 · Amount on Record |
| Prior Sale | Jun 14, 2010 · Amount on Record |
| Deed Document Number | 2018148390 |
| Deed Book / Page | 10546 / 1400 |
| Prior Transfer Date | Aug 31, 2005 |
| Prior Transfer Doc | 0000223969 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3839 COUNTRY LOOP E, LAKELAND, FL 33811-1308 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3839 COUNTRY LOOP, LAKELAND, FL 33811-1308 |
| Document Number | 0000241620 |
|---|---|
| Date | Oct 14, 2025 |
| Book Page | 13736/2209 |
| Instrument | 2025241620 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33680 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 156 Months |
| Due | Oct 13, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3839 COUNTRY LOOP E, LAKELAND, FL 33811-1308 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3839 COUNTRY LOOP E, LAKELAND, FL 33811-1308 |
| Document Number | 0000044340 |
|---|---|
| Date | Feb 24, 2023 |
| Book Page | 12593/948 |
| Instrument | 2023044340 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3839 COUNTRY LOOP E, LAKELAND, FL 33811-1308 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3839 COUNTRY LOOP E, LAKELAND, FL 33811-1308 |
| Document Number | 0000058797 |
|---|---|
| Date | Mar 8, 2021 |
| Book Page | 11612/1297 |
| Instrument | 2021058797 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 12, 2018 |
| Property Address | 3839 COUNTRY LOOP E, LAKELAND, FL 33811-1308 |
| Document Number | 0105461400 |
| Book / Page | 010546 / 001400 |
| Instrument Date | Jul 9, 2018 |
| Instrument | 148390 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2018 |
| Title Company | HOME SOLUTION TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,064.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3839 COUNTRY LOOP E LAKELAND FL 338111308, LAKELAND, FL 33811-1308 |
| Document Number | 105461402 |
|---|---|
| Date | Jul 12, 2018 |
| Book Page | 010546/001402 |
| Instrument | 148391 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 11, 2048 |
Source: Polk County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,278.00 (-23.7%) Homeowner's exemption | $139,076 (+5.99%) | $218,263 (-2.74%) Land $50,000 Building $168,263 |
| 2023 | $1,675.00 (+4.04%) Homeowner's exemption | $131,219 (+3%) | $224,408 (+10.03%) Land $48,000 Building $176,408 |
| 2022 | $1,610.00 Homeowner's exemption | $127,397 | $203,951 Land $31,000 Building $172,951 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 15 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · lower than 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 213 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 |
| Starlink Satellite | 280 / 30 |
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