Polk County property record for 403 Emerald Cove Loop, Lakeland, FL 33813
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,279 sqft · built 1995 |
| Lot Size | 0.239 acres (10,428 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,000 (Jun 2016) |
| Tax Bill | $1,563 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-29-13-140832-000010 |
| Primary APN | 23-29-13-140832-000010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,279 sqft Living Area |
| Gross Area | 1,739 sqft |
| 1st Floor Area | 1,279 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,428 sqft (0.239 acres) |
| Lot Dimensions | 115 ft deep x 92 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 168 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 403 EMERALD COVE LOOP |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33813-2751 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EMERALD COVE PB 97 PG 22 LOT 1 |
| Legal Range | 23E |
| Legal Township | 29S |
| Legal Section | 13 |
| Legal Subdivision | EMERALD COVE |
| Legal Tract | 140832 |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 11836 |
403 Emerald Cove Loop is owned and occupied by two individuals who bought it in June 2016.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 EMERALD COVE LOOP, LAKELAND, FL 33813-2751 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2016 · Amount on File |
| Deed Sale | Jun 23, 2016 · Amount on File |
| Prior Sale | May 22, 2006 |
| Deed Document Number | 2016113900 |
| Deed Book / Page | 9858 / 1874 |
| Prior Transfer Date | Jan 3, 2006 |
| Prior Transfer Doc | 0000000711 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 403 Emerald Cove Loop was $1,563 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $166,420 (+2.7%) | $248,028 (-2.65%) Land $52,000 Building $196,028 | |
| 2025 | $1,563.00 Homeowner's exemption | $162,045 | $254,778 Land $52,000 Building $202,778 |
| 2023 | $2,021.00 (+4.66%) Homeowner's exemption | $152,891 (+3%) | $250,502 (+6.81%) Land $50,000 Building $200,502 |
| 2022 | $1,931.00 Homeowner's exemption | $148,438 | $234,537 Land $40,000 Building $194,537 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 Emerald Cove Loop 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 3 (2002–2017) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 403 Emerald Cove Loop 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 | SOUTHWEST/POLK COUNTY UTILITY serves 39,209 people · EPA ID FL6530852 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 11 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Frontier, Verizon.
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