404 Emerald Cove Loop, Lakeland, FL 33813 Property Records

Polk County property record for 404 Emerald Cove Loop, Lakeland, FL 33813

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,508 sqft · built 1994
Lot Size	0.24 acres (10,450 sqft)
Owner	Company Name on File
Last Sale	$320,000 (May 2025)
Tax Bill	$4,242 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-29-13-140832-000370`

Property Details

APN / Parcel Number

Primary APN	`23-29-13-140832-000370`
Alternative APNs	`132923140832000370` `32923000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,508 sqft Living Area
Gross Area	1,964 sqft
1st Floor Area	1,508 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	10,450 sqft (0.24 acres)
Lot Dimensions	115 ft deep x 92 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	456 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	338 sqft
Porch	Patio
Porch Area	323 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	404 EMERALD COVE LOOP
City	LAKELAND
State	FL
Zip	33813-2750
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD COVE PB 97 PG 22 LOT 37
Legal Range	23E
Legal Township	29S
Legal Section	13
Legal Subdivision	EMERALD COVE
Legal Tract	140832
Legal Block	2
Legal Lot Number	37
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2005
Census Tract	11836

Owner

404 Emerald Cove Loop is owned by a company that bought it in May 2025.

Source: Polk County records, as of October 13, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 919, KATHLEEN, FL 33849-0919
Owner Type	Company
Vesting	Limited Liability Partnership

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
Aug 31, 2026	Warranty Deed, Transfer · Conventional Mortgage OCMBC INC
Apr 20, 2021	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Oct 3, 2019	Warranty Deed, Transfer · FHA Mortgage REAL EST MTG NTWK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2025 · Amount on File
Deed Sale	May 21, 2025 · Amount on File
Prior Sale	Apr 20, 2021 · Amount on File
Deed Document Number	2025119551
Deed Book / Page	13556 / 1045
Prior Transfer Date	Mar 30, 2021
Prior Transfer Doc	0000099830
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 31, 2026
Property Address	404 EMERALD COVE LOOP, LAKELAND, FL 33813-2750
Document Number	0000211672
Book / Page	14136 / 1127
Instrument Date	Aug 27, 2026
Instrument	2026211672
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	TRULY TITLE INC, TRULY TITLE

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Investor	Possibly a Property Investor

Mortgage

Document Number	0000211673,
Date	Aug 31, 2026
Instrument	2026211673

Lender

Name	OCMBC INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 20, 2021
Property Address	404 EMERALD COVE LOOP, LAKELAND, FL 33813-2750
Document Number	0000099830
Book / Page	11675 / 2274
Map Reference	MB 97 PG 22
Instrument Date	Mar 30, 2021
Instrument	2021099830
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15430 SYDNEY RD, 15430, DOVER, FL 33527-5472

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1312 STRATTON DR, LAKELAND, FL 33813-2352

Mortgage

Document Number	0116752275
Date	Apr 20, 2021
Instrument	11675/2275

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 3, 2019
Property Address	404 EMERALD COVE LOOP, LAKELAND, FL 33813-2750
Document Number	0109941776
Book / Page	010994 / 001776
Instrument Date	Sep 23, 2019
Instrument	209950
Transaction Type	Transfer
Record Updated	Oct 17, 2019
Title Company	HOME SOLUTION TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,587.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4607 WALLACE RD PLANT CITY FL 335671653, PLANT CITY, FL 33567-1653

Mortgage

Document Number	109941778
Date	Oct 3, 2019
Book Page	010994/001778
Instrument	209951

Lender

Name	REAL EST MTG NTWK
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 404 Emerald Cove Loop was $4,242.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$308,425 (-2.36%) Land $52,000 Building $256,425	$308,425 (-2.36%) Land $52,000 Building $256,425
2025	$4,242.00	$315,884 Land $52,000 Building $263,884	$315,884 Land $52,000 Building $263,884
2023	$4,768.00 (+5.77%)	$309,469 (+6.55%) Land $50,000 Building $259,469	$309,469 (+6.55%) Land $50,000 Building $259,469
2022	$4,508.00	$290,439 Land $40,000 Building $250,439	$290,439 Land $40,000 Building $250,439

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

Flood

FEMA maps place 404 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

Wildfire risk around 404 Emerald Cove Loop is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 454 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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