407 E Palm Dr, Lakeland, FL 33803 Property Records

Polk County property record for 407 E Palm Dr, Lakeland, FL 33803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,108 sqft · built 1925
Lot Size	0.305 acres (13,299 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Dec 2024)
Tax Bill	$6,295 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Apr 2024 Sale & Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-30-256500-002030`

Property Details

APN / Parcel Number

Primary APN	`24-28-30-256500-002030`
Alternative APNs	`302824256500002030` `02824000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,108 sqft Living Area
Gross Area	1,524 sqft
1st Floor Area	1,524 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	13,299 sqft (0.305 acres)
Lot Dimensions	133 ft deep x 100 ft wide
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	216 sqft
Porch	Unfinished Open Porch
Porch Area	130 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	407 E PALM DR
City	LAKELAND
State	FL
Zip	33803-2651
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 B LOTS 3 & 4
Legal Range	24E
Legal Township	28S
Legal Section	30
Legal Subdivision	HORNEYS J T 1ST ADDITION
Legal Tract	256500
Legal Block	B
Legal Lot Number	3,4
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2010
Census Tract	10502

Owner

407 E Palm Dr is owned and occupied by two individuals who bought it in December 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	407 E PALM DR, LAKELAND, FL 33803-2651
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Apr 29, 2024	Special Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC
Apr 29, 2024	Warranty Deed, Transfer NEW BEGINNINGS TITLE CO LLC
Mar 4, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2024 · Amount on File
Deed Sale	Dec 31, 2024 · Amount on File
Prior Sale	Apr 29, 2024 · Amount on File
Deed Document Number	2024295297
Deed Book / Page	13385 / 752
Prior Transfer Date	Jan 29, 2020
Prior Transfer Doc	0000051107
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	407 E PALM DR, LAKELAND, FL 33803-2651
Transaction Type	Mortgage
Record Updated	Jan 28, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1129 WILSON CT, ASHLAND, OH 44805-4563

Mortgage

Document Number	0000007176
Date	Jan 12, 2026
Book Page	13841/178
Instrument	2026007176

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

April 2024: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 29, 2024
Property Address	407 E PALM DR, LAKELAND, FL 33803-2651
Document Number	0000098709
Book / Page	13096 / 764
Map Reference	MB 6 PG 1
Instrument Date	Mar 15, 2024
Instrument	2024098709
Transaction Type	Construction Loan
Record Updated	May 10, 2024
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,124.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1673 MAYFIELD AVE, WINTER PARK, FL 32789-2008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2621 LOOKOUT LN, KISSIMMEE, FL 34746-2883

Mortgage

Document Number	0013096766
Date	Apr 29, 2024
Instrument	13096/766

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 29, 2024
Property Address	407 E PALM DR, LAKELAND, FL 33803-2651
Document Number	0000098707
Book / Page	13096 / 761
Map Reference	MB 6 PG 1
Instrument Date	Mar 15, 2024
Instrument	2024098707
Transaction Type	Transfer
Record Updated	May 10, 2024
Title Company	NEW BEGINNINGS TITLE CO LLC

Transaction

Amount	Amount on Record
Tax	$2,065.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1456 E LANSDOWNE AVE, ORANGE CITY, FL 32763-4409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1673 MAYFIELD AVE, WINTER PARK, FL 32789-2008
Investor	Possibly a Property Investor

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Mar 4, 2020
Property Address	407 E PALM DR, LAKELAND, FL 33803-2651
Document Number	0111641001
Book / Page	011164 / 001001
Instrument Date	Jan 29, 2020
Instrument	51107
Transaction Type	Transfer
Record Updated	Apr 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1456 E LANSDOWNE AVE ORANGE CITY FL 327634409, ORANGE CITY, FL 32763-4409

Tax Assessment & Valuation

The 2025 property tax bill for 407 E Palm Dr was $6,295.

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		$354,696 (+1.64%) Land $101,233 Building $253,463	$354,696 (+1.64%) Land $101,233 Building $253,463
2025	$6,295.00	$348,980 Land $99,573 Building $249,407	$348,980 Land $99,573 Building $249,407
2023	$5,799.00 (+10.96%)	$357,478 (+15.85%) Land $96,913 Building $260,565	$357,478 (+15.85%) Land $96,913 Building $260,565
2022	$5,226.00	$308,573 Land $92,204 Building $216,369	$308,573 Land $92,204 Building $216,369

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

Flood

FEMA maps place 407 E Palm Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.

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 File 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

Wildfire risk around 407 E Palm Dr is low, with a 0.01% annual chance of 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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