420 E Palm Dr, Lakeland, FL 33803 Property Records

Polk County property record for 420 E Palm Dr, Lakeland, FL 33803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,378 sqft · built 1925
Lot Size	0.153 acres (6,652 sqft)
Owner	2 Individual Names on File
Last Sale	$532,500 (Aug 2023)
Tax Bill	$7,096 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-30-256500-001440`

Property Details

APN / Parcel Number

Primary APN	`24-28-30-256500-001440`
Alternative APNs	`302824256500001440` `02824000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,378 sqft Living Area
Gross Area	2,255 sqft
1st Floor Area	1,305 sqft
Upper Floors Area	650 sqft
Utility Room	Utility Room
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1925
Effective Year Built	Effective 2015
Exterior Material	Wood
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	252 sqft
Carport	Carport
Carport Area	252 sqft
Porch	Florida Room
Porch Area	818 sqft
Patio Area	148 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	420 E PALM DR
City	LAKELAND
State	FL
Zip	33803-2652
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 44
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	44
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2009
Census Tract	10502

Owner

420 E Palm Dr is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	420 E PALM DR, LAKELAND, FL 33803-2652
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
Aug 25, 2023	Warranty Deed, Transfer · Conventional Mortgage SYNOVUS BANK
Jan 13, 2021	Warranty Deed, Transfer · VA Mortgage GUILD MTG
Nov 2, 2017	Warranty Deed, Transfer · Conventional with PMI STATE FARM BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2023 · Amount on File
Deed Sale	Aug 25, 2023 · Amount on File
Prior Sale	Jan 13, 2021 · Amount on File
Deed Document Number	2023200347
Deed Book / Page	12814 / 339
Prior Transfer Date	Apr 30, 2009
Prior Transfer Doc	0000084327
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 25, 2023
Property Address	420 E PALM DR, LAKELAND, FL 33803-2652
Document Number	0000200347
Book / Page	12814 / 339
Map Reference	MB 6 PG 1
Instrument Date	Aug 18, 2023
Instrument	2023200347
Transaction Type	Transfer
Record Updated	Sep 7, 2023
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,727.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1625 BASSETT DR, LAKELAND, FL 33810-3011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 E PALM DR, LAKELAND, FL 33803-2652

Mortgage

Document Number	0012814340
Date	Aug 25, 2023
Instrument	12814/340

Lender

Name	SYNOVUS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 13, 2021
Property Address	420 E PALM DR, LAKELAND, FL 33803-2652
Document Number	0115360352
Book / Page	011536 / 000352
Instrument Date	Dec 29, 2020
Instrument	9175
Transaction Type	Transfer
Record Updated	Jan 26, 2021
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,933.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	420 E PALM DR LAKELAND FL 338032652, LAKELAND, FL 33803-2652

Mortgage

Document Number	115360353
Date	Jan 13, 2021
Book Page	011536/000353
Instrument	9176

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 12, 2051

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 2, 2017
Property Address	420 E PALM DR, LAKELAND, FL 33803-2652
Document Number	0103031547
Book / Page	010303 / 001547
Instrument Date	Oct 31, 2017
Instrument	210409
Transaction Type	Transfer
Record Updated	Nov 30, 2017
Title Company	HOME SOLUTION TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4210 ROLLING OAK DR LAKELAND FL 338106332, LAKELAND, FL 33810-6332

Mortgage

Document Number	103031548
Date	Nov 2, 2017
Book Page	010303/001548
Instrument	210410

Lender

Name	STATE FARM BK
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 420 E Palm Dr was $7,096 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		$418,280 (-4.18%) Land $53,200 Building $365,080	$418,280 (-6.33%) Land $53,200 Building $365,080
2025	$7,096.00 Homeowner's exemption	$436,544	$446,552 Land $52,535 Building $394,017
2023	Homeowner's exemption	$336,167 (+3%)	$463,216 (+21.77%) Land $51,205 Building $412,011
2022	Homeowner's exemption	$326,376	$380,401 Land $48,545 Building $331,856

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

Flood

FEMA maps place 420 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 420 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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