3906 Bent Tree Loop W, Lakeland, FL 33813 Property Records

Polk County property record for 3906 Bent Tree Loop W, Lakeland, FL 33813

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,304 sqft · built 1979
Lot Size	0.191 acres (8,307 sqft)
Owner	Individual Name on File
Last Sale	$123,000 (Sep 2009)
Tax Bill	$560 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-29-05-274690-001260`

Property Details

APN / Parcel Number

Primary APN	`24-29-05-274690-001260`
Alternative APNs	`052924274690001260` `52924000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,304 sqft Living Area
Gross Area	1,629 sqft
1st Floor Area	1,304 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	8,307 sqft (0.191 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	325 sqft
Porch	Unfinished Open Porch
Porch Area	40 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3906 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 126
Legal Range	24E
Legal Township	29S
Legal Section	05
Legal Subdivision	MEADOWS THE
Legal Tract	274690
Legal Block	2
Legal Lot Number	126
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2003
Census Tract	10603

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	3906 BENT TREE LOOP W, LAKELAND, FL 33813-1307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2009 · Amount on File
Deed Sale	Sep 21, 2009 · Amount on File
Prior Sale	Jun 19, 2009 · Amount on File
Deed Document Number	2009170803
Deed Book / Page	7977 / 289
Last Transfer Date	Jun 11, 2025
Transfer Doc	0000135853
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3906 BENT TREE LOOP W, LAKELAND, FL 33813-1307
Transaction Type	Mortgage
Record Updated	Apr 29, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3906 BENT TREE LOOP W, LAKELAND, FL 33813-1307

Mortgage

Document Number	0000090980
Date	Apr 9, 2021
Book Page	11661/2162
Instrument	2021090980

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

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		$197,626 (+179.24%) Land $35,000 Building $162,626	$197,626 (-2.46%) Land $35,000 Building $162,626
2025	$560.00 (+2.56%)	$70,772 (+5.99%)	$202,612 (-1.97%) Land $35,000 Building $167,612
2023	$546.00 (+0.92%) Homeowner's exemption	$66,774 (+3%)	$206,694 (+8.33%) Land $34,000 Building $172,694
2022	$541.00 Homeowner's exemption	$64,829	$190,794 Land $32,000 Building $158,794

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
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

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.

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 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