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4012 Derby Dr, Lakeland, FL 33809 Property Records

Polk County property record for 4012 Derby Dr, Lakeland, FL 33809

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,079 sqft · built 1988
Lot Size0.185 acres (8,076 sqft)
Owner2 Individual Names on File
Last Sale$300,000 (Aug 2021)
Tax Bill$3,298 (2025)
Deeds & MortgagesAug 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN23-27-36-016024-014040

Property Details

APN / Parcel Number

Primary APN23-27-36-016024-014040
Alternative APNs
  • 362723016024014040
  • 62723000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,079 sqft Living Area
Gross Area2,619 sqft
1st Floor Area1,422 sqft
Upper Floors Area657 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Foundation TypeSlab (Mat/Raft)
Roof TypeGable
Roof MaterialOther
Lot Area8,076 sqft (0.185 acres)
Lot Dimensions116 ft deep x 70 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area540 sqft
PorchFinished/Open Porch
Porch Area359 sqft
Patio Area64 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address4012 DERBY DR
CityLAKELAND
StateFL
Zip33809-4015
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionWEDGEWOOD GOLF & COUNTRY CLUB PHASE ONE UNIT THREE PB-77 PG-8 BLK 14 LOT 4 & A UNDIVIDED 1/41% INT IN TRACT A (COMMON AREA)
Legal Range23E
Legal Township27S
Legal Section36
Legal SubdivisionWEDGEWOOD GOLF AND COUNTRY CLUB PHASE 01
Legal Phase1
Legal TractA
Legal Block14
Legal Lot Number4
Legal Unit3PB-77
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group4
Census Block4010
Census Tract12209

Owner

4012 Derby Dr is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record2 Individual Names on File
Mailing Address10956 NW 13TH CT, CORAL SPRINGS, FL 33071-8211
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants in Common

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 18, 2021 · Amount on File
Deed SaleAug 18, 2021 · Amount on File
Prior SaleDec 13, 2016 · Amount on File
Deed Document Number2021215814
Deed Book / Page11853 / 1853
Record UpdatedOct 29, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 18, 2021
Property Address4012 DERBY DR, LAKELAND, FL 33809-4015
Document Number0000215814
Book / Page11853 / 1853
Map ReferenceMB 77 PG 8
Instrument DateAug 12, 2021
Instrument2021215814
Transaction TypeTransfer
Record UpdatedJan 13, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,100.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4012 DERBY DR, LAKELAND, FL 33809-4015

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address10956 NW 13TH CT, CORAL SPRINGS, FL 33071-8211

Mortgage

Document Number0118531855
DateAug 18, 2021
Instrument11853/1855
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4012 Derby Dr was $3,298 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityLakeland City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$231,273 (+2.48%)$289,946 (+1.44%) Land $60,000 Building $229,946
2025$3,298.00 Homeowner's exemption$225,670$285,830 Land $60,000 Building $225,830
2023$3,329.00 (+10.27%) Homeowner's exemption$232,505 (+12.4%)$306,443 (+17.96%) Land $58,000 Building $248,443
2022$3,019.00 Homeowner's exemption$206,863$259,777 Land $48,000 Building $211,777

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4012 Derby Dr 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 23 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies71 units insured
incl. 48 condo units
Nearby Flood Claims19 (2022–2024)
Claims Outside the SFHA14 of 19
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 18 claims

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 4012 Derby Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.04% annual chance
ExposureDirect
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 SystemCITY OF LAKELAND
serves 193,297 people · EPA ID FL6531014
Water SourceGroundwater
Last State InspectionJul 2022
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 202 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000

May also be available: T-Mobile, Verizon.

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