406 North Rd, Lakeland, FL 33809 Property Records

Polk County property record for 406 North Rd, Lakeland, FL 33809

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,362 sqft · built 1979
Lot Size	2.35 acres (102,614 sqft)
Owner	2 Individual Names on File
Last Sale	$189,900 (May 2013)
Tax Bill	$1,901 (2025)
Deeds & Mortgages	Jan 2024 Transfer Jun 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-27-13-000000-023180`

Property Details

APN / Parcel Number

Primary APN	`23-27-13-000000-023180`
Alternative APNs	`132723000000023180` `32723000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,362 sqft Living Area
Gross Area	2,912 sqft
1st Floor Area	2,362 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	102,614 sqft
Lot Dimensions	307 ft deep x 334 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	550 sqft

Exterior Amenities

Pool Area	512 sqft
Porch	Unfinished Open Porch
Porch Area	21 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	406 NORTH RD
City	LAKELAND
State	FL
Zip	33809-2224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE1
Legal Description	BEG NW COR NW1/4 OF SE1/4 RUN E 1003.5 FT S 331.5 FT TO POB CONT S 331.5 FT E 334.84 FT TO E LINE NW1/4 OF SE1/4 N TO PT E OF POB W 334.97 FT TO POB LESS N 25 FT FOR RD R/W BEING TRACT 58 OF UNRE MARCUM ACRES
Legal Range	23E
Legal Township	27S
Legal Section	13
Legal Subdivision	GREENBRIAR
Legal Tract	58
Legal Block	1
Legal Lot Number	58
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1000
Census Tract	12203

Owner

406 North Rd is owned and occupied by two individuals who acquired it in January 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	406 NORTH RD, LAKELAND, FL 33809-2224
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Jan 11, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jun 2, 2021	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NATIONAL ASSOCIATION
Sep 20, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2013 · Amount on File
Deed Sale	May 24, 2013 · Amount on File
Deed Document Number	201398049
Deed Book / Page	8966 / 527
Last Transfer Date	Jan 3, 2024
Transfer Doc	0000008101
Record Updated	Oct 29, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Jan 11, 2024
Property Address	406 NORTH RD, LAKELAND, FL 33809-2224
Document Number	0000008101
Book / Page	12970 / 100
Instrument Date	Jan 3, 2024
Instrument	2024008101
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 NORTH RD, LAKELAND, FL 33809-2224

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	406 NORTH RD, LAKELAND, FL 33809-2224

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	406 NORTH RD, LAKELAND, FL 33809-2224
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 NORTH RD, LAKELAND, FL 33809-2224

Mortgage

Document Number	0000142722
Date	Jun 2, 2021
Book Page	11741/952
Instrument	2021142722

Lender

Name	SOUTH STATE BANK NATIONAL ASSOCIATION
Type	Bank
Address	LAKELAND, FL 33801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	May 13, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	406 NORTH RD, LAKELAND, FL 33809-2224
Document Number	0109900281
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 16, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	406 WORTH RD LAKELAND FL 33809, LAKELAND, FL 33809

Mortgage

Document Number	0109900281
Date	Sep 30, 2019
Book Page	010990/000281
Instrument	206945

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Sep 29, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 406 North Rd was $1,901 with a homeowner's exemption, down 23.2% from the year before.

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		$192,332 (+2.7%)	$373,327 (+5.87%) Land $67,425 Building $305,902
2025	$1,901.00 (-23.19%)	$187,276	$352,638 Land $67,425 Building $285,213
2024	$2,475.00 (+8.27%)
2023	$2,286.00 (+5.93%) Homeowner's exemption	$176,697 (+4.78%)	$358,824 (+12.23%) Land $65,250 Building $293,574
2022	$2,158.00 Homeowner's exemption	$168,638	$319,734 Land $54,045 Building $265,689

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

Flood

FEMA maps place 406 North Rd 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2002–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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 406 North Rd is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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	NORTHWEST serves 28,082 people · EPA ID FL6532348
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 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	21 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 150 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.

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