Polk County property record for 3919 Bent Tree Loop W, Lakeland, FL 33813
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,298 sqft · built 1982 |
| Lot Size | 0.208 acres (9,060 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $69,000 (Dec 1996) |
| Tax Bill | $608 (2025) |
| Deeds & Mortgages | Jan 2023 Second Mortgage Nov 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-29-05-274690-000600 |
| Primary APN | 24-29-05-274690-000600 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,298 sqft Living Area |
| Gross Area | 1,623 sqft |
| 1st Floor Area | 1,298 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 9,060 sqft (0.208 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 325 sqft |
| Patio Area | 35 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 3919 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 60 |
| Legal Range | 24E |
| Legal Township | 29S |
| Legal Section | 05 |
| Legal Subdivision | MEADOWS THE |
| Legal Tract | 274690 |
| Legal Block | 2 |
| Legal Lot Number | 60 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 10603 |
3919 Bent Tree Loop W is owned and occupied by two individuals who acquired it in March 2005.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3919 BENT TREE LOOP W, LAKELAND, FL 33813-1308 |
| 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 |
|---|---|
| Jan 20, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDFLORIDA CU |
| Nov 29, 2022 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 27, 1996 · Amount on File |
| Deed Sale | Dec 27, 1996 · Amount on File |
| Deed Book / Page | 3774 / 1556 |
| Last Transfer Date | Mar 31, 2005 |
| Transfer Doc | 0000088440 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3919 BENT TREE LOOP W, LAKELAND, FL 33813-1308 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000014947 |
|---|---|
| Date | Jan 20, 2023 |
| Book Page | 12556/1247 |
| Instrument | 2023014947 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Dec 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3919 BENT TREE LOOP W, LAKELAND, FL 33813-1308 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000308567 |
|---|---|
| Date | Nov 29, 2022 |
| Book Page | 12498/794 |
| Instrument | 2022308567 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Dec 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 3919 Bent Tree Loop W was $608 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 | $78,959 (+2.7%) | $205,203 (-2.36%) Land $44,000 Building $161,203 | |
| 2025 | $608.00 Homeowner's exemption | $76,883 | $210,155 Land $44,000 Building $166,155 |
| 2023 | $577.00 (+1.05%) Homeowner's exemption | $72,540 (+3%) | $213,245 (+6.8%) Land $42,000 Building $171,245 |
| 2022 | $571.00 Homeowner's exemption | $70,427 | $199,676 Land $40,000 Building $159,676 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3919 Bent Tree Loop W in Zone X, an area of minimal flood risk, within 100 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 100 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 3919 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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