417 E Palm Dr, Lakeland, FL 33803 Property Records

Polk County property record for 417 E Palm Dr, Lakeland, FL 33803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,262 sqft · built 1949
Lot Size	0.153 acres (6,652 sqft)
Owner	Individual Name on File
Last Sale	$182,500 (Mar 2018)
Tax Bill	$1,211 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-30-256500-002010`

Property Details

APN / Parcel Number

Primary APN	`24-28-30-256500-002010`
Alternative APNs	`302824256500002010` `02824000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,262 sqft Living Area
Gross Area	942 sqft
1st Floor Area	942 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1949
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	6,652 sqft (0.153 acres)
Lot Dimensions	133 ft deep x 50 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	2,004 sqft
Carport	Carport
Carport Area	2,004 sqft
Porch	Screened/Unfinished Porch
Porch Area	522 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	417 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 IST ADD PB 6 PG 1 BLK B LOT 1
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	1
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2010
Census Tract	10502

Owner

417 E Palm Dr is owned and occupied by an individual who bought it in March 2018.

Source: Polk County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	417 E PALM DR, LAKELAND, FL 33803-2651
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 6, 2025	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jul 14, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Aug 24, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jun 28, 2019	Deed of Trust, Mortgage · Line of Credit GTE FCU
Mar 6, 2018	Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2018 · Amount on File
Deed Sale	Mar 6, 2018 · Amount on File
Prior Sale	Jan 25, 2016 · Amount on File
Deed Document Number	201849028
Deed Book / Page	10414 / 2044
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	417 E PALM DR, LAKELAND, FL 33803-2651
Transaction Type	Mortgage
Record Updated	Nov 21, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 E PALM DR, LAKELAND, FL 33803-2651
Investor	Possibly a Property Investor

Mortgage

Document Number	0000263797
Date	Nov 6, 2025
Book Page	13769/1159
Instrument	2025263797

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	479 Months
Due	Oct 1, 2065

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	417 E PALM DR, LAKELAND, FL 33803-2651
Transaction Type	Mortgage
Record Updated	Jul 31, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 E PALM DR, LAKELAND, FL 33803-2651
Investor	Possibly a Property Investor

Mortgage

Document Number	0000163621
Date	Jul 14, 2023
Book Page	12762/1738
Instrument	2023163621

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	296 Months
Due	Mar 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	417 E PALM DR, LAKELAND, FL 33803-2651
Document Number	0115570331
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Feb 15, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 E PALM DR LAKELAND FL 338032651, LAKELAND, FL 33803-2651

Mortgage

Document Number	0115570331
Date	Jan 28, 2021
Book Page	011557/000331
Instrument	23052

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jan 27, 2048

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	417 E PALM DR, LAKELAND, FL 33803-2651
Document Number	0108981035
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Jul 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 E PALM DR LAKELAND FL 338032651, LAKELAND, FL 33803-2651

Mortgage

Document Number	0108981035
Date	Jul 5, 2019
Book Page	010898/001035
Instrument	140377

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 6, 2018
Property Address	417 E PALM DR, LAKELAND, FL 33803-2651
Document Number	0104142044
Book / Page	010414 / 002044
Instrument Date	Feb 27, 2018
Instrument	49028
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,277.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10312 RAINBRIDGE DR FL, FL

Mortgage

Document Number	104142046
Date	Mar 6, 2018
Book Page	010414/002046
Instrument	49029

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 417 E Palm Dr was $1,211 with a homeowner's exemption.

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		$113,311 (+2.7%)	$200,414 (-10.05%) Land $53,200 Building $147,214
2025	$1,211.00 Homeowner's exemption	$110,332	$222,802 Land $52,535 Building $170,267
2023	$1,121.00 (+4.18%) Homeowner's exemption	$104,100 (+3%)	$233,342 (+16.16%) Land $51,205 Building $182,137
2022	$1,076.00 Homeowner's exemption	$101,068	$200,884 Land $48,545 Building $152,339

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

Flood

FEMA maps place 417 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 417 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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