407 E Beacon Rd, Lakeland, FL 33803 Property Records

Polk County property record for 407 E Beacon Rd, Lakeland, FL 33803

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,107 sqft · built 1925
Lot Size	0.153 acres (6,652 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,000 (Apr 2013)
Tax Bill	$1,857 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Sep 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-30-256500-001040`

Property Details

APN / Parcel Number

Primary APN	`24-28-30-256500-001040`
Alternative APNs	`302824256500001040` `02824000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,107 sqft Living Area
Gross Area	1,667 sqft
1st Floor Area	1,667 sqft
Basement Area	240 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Other
Lot Area	6,652 sqft (0.153 acres)
Lot Dimensions	133 ft deep x 50 ft wide
View / Lot	Commercial/Industrial
Porch	Enclosed/Unfinished Porch
Porch Area	340 sqft
Patio Area	144 sqft

Location & Zoning

Street Address	407 E BEACON RD
City	LAKELAND
State	FL
Zip	33803-2609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Description	HORNEYS J T 1ST ADD PB 6 PG 1 BLK A LOT 4
Legal Range	24E
Legal Township	28S
Legal Section	30
Legal Subdivision	HORNEYS J T 1ST ADDITION
Legal Tract	256500
Legal Block	A
Legal Lot Number	4
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2009
Census Tract	10502

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	407 E BEACON RD, LAKELAND, FL 33803-2609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CREDIT UNION
Sep 15, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2013 · Amount on Record
Deed Sale	Apr 10, 2013 · Amount on Record
Prior Sale	Apr 4, 2001 · Amount on Record
Deed Document Number	201366810
Deed Book / Page	8926 / 22
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Jun 8, 2026
Property Address	407 E BEACON RD, LAKELAND, FL 33803-2609
Document Number	0000136721
Book / Page	14029 / 1859
Instrument Date	May 29, 2026
Instrument	2026136721
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E BEACON RD, LAKELAND, FL 33803-2609

Mortgage

Document Number	0000136721,
Date	Jun 8, 2026
Book Page	14029/1859
Instrument	2026136721

Lender

Name	MIDFLORIDA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 10, 2046

Interest

Rate	6.3%
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	407 E BEACON RD, LAKELAND, FL 33803-2609
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	467 E BEACON RD, LAKELAND, FL 33803

Mortgage

Document Number	0000251064
Date	Sep 15, 2022
Book Page	12421/134
Instrument	2022251064

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	407 E BEACON RD, LAKELAND, FL 33803-2609
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E BEACON RD, LAKELAND, FL 33803-2609

Mortgage

Document Number	0000115988
Date	May 5, 2021
Book Page	11700/1367
Instrument	2021115988

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$150,074 (+2.7%)	$322,799 (+1.52%) Land $53,200 Building $269,599
2025	$1,857.00 (+6.91%) Homeowner's exemption	$146,129 (+5.99%)	$317,965 (-3.27%) Land $52,535 Building $265,430
2023	$1,737.00 (+3.52%) Homeowner's exemption	$137,875 (+3%)	$328,728 (+14.85%) Land $51,205 Building $277,523
2022	$1,678.00 Homeowner's exemption	$133,859	$286,217 Land $48,545 Building $237,672

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	3 (2004–2024)
Claims Outside the SFHA	3 of 3
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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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