3904 Cheverly Dr E, Lakeland, FL 33813 Property Records

Polk County property record for 3904 Cheverly Dr E, Lakeland, FL 33813

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,433 sqft · built 1990
Lot Size	0.562 acres (24,463 sqft)
Owner	2 Trust Names on File
Last Sale	$730,000 (Apr 2025)
Tax Bill	$4,013 (2025)
Deeds & Mortgages	May 2024 Mortgage Oct 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-29-06-277804-000210`

Property Details

APN / Parcel Number

Primary APN	`24-29-06-277804-000210`
Alternative APNs	`062924277804000210` `62924000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,433 sqft Living Area
Gross Area	3,651 sqft
1st Floor Area	3,145 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	24,463 sqft (0.562 acres)
Lot Dimensions	181 ft deep x 124 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	506 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Porch	Enclosed/Unfinished Porch
Porch Area	662 sqft
Patio Area	272 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3904 CHEVERLY DR E
City	LAKELAND
State	FL
Zip	33813-1203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA1
Legal Description	KELLSMONT SUB PB 75 PG 24 LYING & BEING IN A PORTION OF SECTIONS 5 & 6 T29S R24E LOT 21 & AN UNDIVIDED INTEREST IN TRACT A & BEG NE COR OF SAID LOT 21 RUN E 15 FT S 124.35 FT W 16.5 FT N 124.32 FT TO POB
Legal Range	24E
Legal Township	29S
Legal Section	06
Legal Subdivision	KELLSMONT SUBDIVISION
Legal Tract	A
Legal Block	1
Legal Lot Number	21
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1001
Census Tract	10603

Owner

3904 Cheverly Dr E is held in a trust since April 2025.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	3101 GULFSTREAM RD, LAKE WORTH, FL 33461-2405
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 7, 2024	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 6, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK
Mar 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2025 · Amount on File
Deed Sale	Apr 9, 2025 · Amount on File
Prior Sale	Jan 27, 2000 · Amount on File
Deed Document Number	202581284
Deed Book / Page	13501 / 150
Prior Transfer Date	Apr 24, 2024
Prior Transfer Doc	0000105737
Record Updated	Oct 29, 2026

May 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	May 7, 2024
Property Address	3904 CHEVERLY DR E, LAKELAND, FL 33813-1203
Document Number	0000105737
Book / Page	13107 / 168
Map Reference	MB 75 PG 24
Instrument Date	Apr 24, 2024
Instrument	2024105737
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1105 CLUB RD, TOOMSBORO, GA 31090-2220

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3904 CHEVERLY DR E, LAKELAND, FL 33813-1203

Mortgage

Document Number	0013107171
Date	May 7, 2024
Instrument	13107/171

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2054

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3904 CHEVERLY DR E, LAKELAND, FL 33813-1203
Document Number	0102911854
Instrument Date	Oct 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3904 CHEVERLY DR E LAKELAND FL 338131203, LAKELAND, FL 33813-1203

Mortgage

Document Number	0102911854
Date	Oct 20, 2017
Book Page	010291/001854
Instrument	200826

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3904 CHEVERLY DR E, LAKELAND, FL 33813-1203
Document Number	0101100815
Book / Page	010110 / 000815
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	Jun 16, 2017
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3904 CHEVERLY DR E LAKELAND FL 338131203, LAKELAND, FL 33813-1203

Mortgage

Document Number	0101100815
Date	Apr 5, 2017
Book Page	010110/000815
Instrument	64710

Lender

Name	SUNTRUST MTG
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 4, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3904 Cheverly Dr E was $4,013.

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		$545,389 (+105.29%) Land $92,000 Building $453,389	$545,389 (+13.61%) Land $92,000 Building $453,389
2025	$4,013.00	$265,666	$480,069 Land $92,000 Building $388,069
2023	$3,793.00 (+2.82%) Homeowner's exemption	$250,659 (+3%)	$503,927 (+9.56%) Land $90,000 Building $413,927
2022	$3,689.00 Homeowner's exemption	$243,358	$459,966 Land $85,000 Building $374,966

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.

Flood

FEMA maps place 3904 Cheverly Dr E 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 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2023–2024)
Claims Outside the SFHA	2 of 2
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.

Wildfire

Wildfire risk around 3904 Cheverly Dr E is low, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Frontier.

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