Polk County property record for 4092 Stone Creek Loop, Lake Wales, FL 33859
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,663 sqft · built 2014 |
| Lot Size | 0.158 acres (6,900 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $227,000 (Mar 2018) |
| Tax Bill | $4,117 (2025) |
| Deeds & Mortgages | Dec 2021 Reverse Mortgage Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-29-19-865202-011910 |
| Primary APN | 27-29-19-865202-011910 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,663 sqft Living Area |
| Gross Area | 2,108 sqft |
| 1st Floor Area | 1,663 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 6,900 sqft (0.158 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 445 sqft |
| Pool Type | Enclosed Pool |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 340 sqft |
| Street Address | 4092 STONE CREEK LOOP |
|---|---|
| City | LAKE WALES |
| State | FL |
| Zip | 33859-5766 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE ASHTON GOLF CLUB PHASE VI PB 144 PG 12-14 LOT 1191 |
| Legal Range | 27E |
| Legal Township | 29S |
| Legal Section | 19 |
| Legal Subdivision | LAKE ASHTON GOLF CLUB PHASE VI |
| Legal Phase | VI |
| Legal Tract | 865202 |
| Legal Block | 3 |
| Legal Lot Number | 1191 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 14401 |
4092 Stone Creek Loop is owner-occupied and held in a trust since March 2024.
Source: Polk County records, as of October 21, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 4092 STONE CREEK LOOP, LAKE WALES, FL 33859-5766 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 22, 2021 | Deed of Trust, Mortgage · Reverse Mortgage ENNKAR INC |
| Sep 18, 2020 | Deed of Trust, Mortgage · FHA Mortgage ENNKAR INC |
| Sep 18, 2020 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER |
| Mar 2, 2018 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 2, 2018 · Amount on File |
| Deed Sale | Mar 2, 2018 · Amount on File |
| Prior Sale | Dec 8, 2014 · Amount on File |
| Deed Document Number | 201847137 |
| Deed Book / Page | 10412 / 894 |
| Last Transfer Date | Mar 12, 2024 |
| Transfer Doc | 0000238928 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4092 STONE CREEK LOOP, LAKE WALES, FL 33859-5766 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Title Company | FC TITLE, FNC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000332193 |
|---|---|
| Date | Dec 22, 2021 |
| Book Page | 12037/1194 |
| Instrument | 2021332193 |
| Name | ENNKAR INC |
|---|---|
| Type | Mortgage Company |
| Address | ORANGE, CA 92865 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.2% |
| Type Change Date | Feb 1, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 7.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4092 STONE CREEK LOOP, LAKE WALES, FL 33859-5766 |
| Document Number | 0114020425 |
| Instrument Date | Sep 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4092 STONE CREEK LOOP LAKE WALES FL 338595766, LAKE WALES, FL 33859-5766 |
| Document Number | 0114020425 |
|---|---|
| Date | Oct 6, 2020 |
| Book Page | 011402/000425 |
| Instrument | 209467 |
| Name | ENNKAR INC |
|---|---|
| Address | ORANGE, CA 92865 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 1056 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4092 STONE CREEK LOOP, LAKE WALES, FL 33859-5766 |
| Document Number | 0114020443 |
| Instrument Date | Sep 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4092 STONE CREEK LOOP LAKE WALES FL 338595766, LAKE WALES, FL 33859-5766 |
| Document Number | 0114020443 |
|---|---|
| Date | Oct 6, 2020 |
| Book Page | 011402/000443 |
| Instrument | 209468 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 1056 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.9% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 2, 2018 |
| Property Address | 4092 STONE CREEK LOOP, LAKE WALES, FL 33859-5766 |
| Document Number | 0104120894 |
| Book / Page | 010412 / 000894 |
| Instrument Date | Feb 28, 2018 |
| Instrument | 47137 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,589.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4092 STONE CREEK LOOP LAKE WALES FL 338595766, LAKE WALES, FL 33859-5766 |
| Document Number | 104120896 |
|---|---|
| Date | Mar 2, 2018 |
| Book Page | 010412/000896 |
| Instrument | 47138 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 1020 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.21% |
| Document Number | 104120913, |
|---|---|
| Date | Mar 2, 2018 |
| Book Page | 010412/000913 |
| Instrument | 47139 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 1020 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.21% |
The 2025 property tax bill for 4092 Stone Creek Loop was $4,117 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Lake Wales City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $254,996 (+2.7%) | $317,439 (+3.58%) Land $55,000 Building $262,439 | |
| 2025 | $4,117.00 Homeowner's exemption | $248,292 | $306,468 Land $55,000 Building $251,468 |
| 2023 | $3,713.00 (+27.64%) Homeowner's exemption | $234,266 (+18.67%) | $314,846 (+21.64%) Land $52,000 Building $262,846 |
| 2022 | $2,909.00 Homeowner's exemption | $197,404 | $258,827 Land $50,000 Building $208,827 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4092 Stone Creek 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 42 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 42 in force |
| Nearby Flood Claims | 1 (2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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 4092 Stone Creek Loop is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 46% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | CITY OF LAKE WALES serves 18,722 people · EPA ID FL6532234 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2023 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 154 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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