Polk County property record for 3903 Bent Tree Loop W, Lakeland, FL 33813
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,305 sqft · built 1981 |
| Lot Size | 0.185 acres (8,050 sqft) |
| Owner | Company Name on File |
| Last Sale | $65,000 (Sep 2014) |
| Tax Bill | $3,806 (2025) |
| Deeds & Mortgages | Jun 2019 Loan Modification Jun 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-29-05-274690-000620 |
| Primary APN | 24-29-05-274690-000620 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,305 sqft Living Area |
| Gross Area | 1,655 sqft |
| 1st Floor Area | 1,305 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,050 sqft (0.185 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 350 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 48 sqft |
| Cooling System | Central |
|---|
| Street Address | 3903 BENT TREE LOOP W |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33813-1308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA3 |
| Legal Description | THE MEADOWS PB 65 PGS 24 THRU 26 LOT 62 |
| Legal Range | 24E |
| Legal Township | 29S |
| Legal Section | 05 |
| Legal Subdivision | MEADOWS THE |
| Legal Tract | 274690 |
| Legal Block | 2 |
| Legal Lot Number | 62 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 10603 |
3903 Bent Tree Loop W is owned by a company that bought it in September 2014.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1717 MAIN ST, 2000, DALLAS, TX 75201-4657 |
| Owner Type | Company |
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 |
|---|---|
| Jun 28, 2019 | Loan Modification, Mortgage · Line of Credit WILMINGTON TR |
| Jun 19, 2019 | Quit Claim Deed, Transfer OS NATIONAL LLC, OS NAT'L LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2014 · Amount on File |
| Deed Sale | Sep 25, 2014 · Amount on File |
| Prior Sale | Sep 4, 2014 · Amount on File |
| Deed Document Number | 2014164555 |
| Deed Book / Page | 9347 / 1029 |
| Transfer Doc | 3851001920 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 28, 2019 |
| Property Address | 3903 BENT TREE LOOP W, LAKELAND, FL 33813-1308 |
| Document Number | 0108910945 |
| Book / Page | 010891 / 000945 |
| Instrument Date | Jun 7, 2019 |
| Instrument | 135904 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2019 |
| Title Company | OS NATIONAL LLC, OS NAT'L LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 1717 MAIN ST #2000 DALLAS TX 752014657, 2000, DALLAS, TX 75201-4657 |
| Document Number | 108910945 |
|---|---|
| Date | Jun 28, 2019 |
| Book Page | 010891/000945 |
| Instrument | 135904 |
| Name | WILMINGTON TR |
|---|---|
| Address | 1100 N MARKET ST, WILMINGTON, DE 19890-1100 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 19, 2019 |
| Property Address | 3903 BENT TREE LOOP W, LAKELAND, FL 33813-1308 |
| Document Number | 0108800509 |
| Book / Page | 010880 / 000509 |
| Instrument Date | Jun 7, 2019 |
| Instrument | 127623 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2019 |
| Title Company | OS NATIONAL LLC, OS NAT'L LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 1717 MAIN ST #2000 DALLAS TX 752014657, 2000, DALLAS, TX 75201-4657 |
The 2025 property tax bill for 3903 Bent Tree Loop W was $3,806, up 5.8% from the year before.
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 | $208,500 (-0.89%) Land $44,000 Building $164,500 | $208,500 (-1.9%) Land $44,000 Building $164,500 | |
| 2025 | $3,806.00 (+5.78%) | $210,379 | $212,537 Land $44,000 Building $168,537 |
| 2024 | $3,598.00 (+5.98%) | ||
| 2023 | $3,395.00 (+8.47%) | $215,607 (+8.27%) Land $42,000 Building $173,607 | $215,607 (+8.27%) Land $42,000 Building $173,607 |
| 2022 | $3,130.00 | $199,142 Land $40,000 Building $159,142 | $199,142 Land $40,000 Building $159,142 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3903 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 3903 Bent Tree Loop W is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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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