415 Ed Padgett Rd, Lakeland, FL 33809 Property Records

Polk County property record for 415 Ed Padgett Rd, Lakeland, FL 33809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,350 sqft · built 1964
Lot Size	1.73 acres (75,659 sqft)
Owner	Individual Name on File
Last Sale	$277,000 (Jan 2026)
Tax Bill	$515 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-27-07-000000-032080`

Property Details

APN / Parcel Number

Primary APN	`24-27-07-000000-032080`
Alternative APNs	`072724000000032080` `72724000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,350 sqft Living Area
1st Floor Area	1,350 sqft
Flooring	Carpet
Interior Walls	Wood

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	75,659 sqft
Lot Dimensions	278 ft deep x 270 ft wide
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	864 sqft

Exterior Amenities

Porch	Screened/Unfinished Porch
Porch Area	306 sqft
Shed	1 Shed
Utility Building	66 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	415 ED PADGETT RD
City	LAKELAND
State	FL
Zip	33809-1589
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	BEG 567 FT W & 30 FT S OF NE COR OF SE1/4 OF NW1/4 RUN S 277.5 FT W 270.45 FT N 277.5 E 270.45 FT TO POB LESS MAINT R/W
Legal Range	24E
Legal Township	27S
Legal Section	07
Legal Subdivision	BIG BEN ACRES
Legal Tract	000000
Legal Block	3
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	3
Census Block	3000
Census Tract	12303

Owner

415 Ed Padgett Rd is owned and occupied by an individual who bought it in January 2026.

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

Owner of Record	Individual Name on File
Mailing Address	415 ED PADGETT RD, LAKELAND, FL 33809-1589
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2026 · Amount on File
Deed Sale	Jan 14, 2026 · Amount on File
Prior Sale	Mar 22, 2005 · Amount on File
Deed Document Number	202610234
Deed Book / Page	13845 / 1315
Prior Transfer Date	Feb 23, 2005
Prior Transfer Doc	0000063168
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 14, 2026
Property Address	415 ED PADGETT RD, LAKELAND, FL 33809-1589
Document Number	0000010234
Book / Page	13845 / 1315
Instrument Date	Jan 5, 2026
Instrument	2026010234
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,939.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 ED PADGETT RD, LAKELAND, FL 33809-1589

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 ED PADGETT RD, LAKELAND, FL 33809-1589

Mortgage

Document Number	0138451318
Date	Jan 14, 2026
Instrument	13845/1318

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 415 Ed Padgett Rd was $515.

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		$82,249 (+2.7%)	$240,891 (+2.83%) Land $65,420 Building $175,471
2025	$515.00 Homeowner's exemption	$80,087	$234,265 Land $65,420 Building $168,845
2023	$1,027.00 (+4.26%) Homeowner's exemption	$75,563 (+3%)	$263,446 (+33.89%) Land $63,384 Building $200,062
2022	$985.00 Homeowner's exemption	$73,362	$196,764 Land $45,936 Building $150,828

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 415 Ed Padgett 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

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 415 Ed Padgett Rd is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20