Polk County property record for 420 Thomas Ave, Frostproof, FL 33843 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1960 |
| Square Footage | 982 sqft Living Area |
| Lot Size | 8,995 sqft (0.207 acres) |
| Garage | Carport, 345 sqft |
| Last Sale | $74,000 (2018) |
| Tax Bill | $424.00 (2025) |
| Primary APN | 28-32-07-985800-007130 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 982 sqft Living Area |
| 1st Floor | 800 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Other (not Classified) Roof |
| Lot Area | 8,995 sqft (0.207 acres) |
| Garage Type | Carport Garage |
| Garage Area | 345 sqft Garage |
| Carport | Carport |
| Carport Area | 345 sqft Carport |
| Shed | 1 Shed |
| Porch Area | 329 sqft Porch |
| Utility Building | 90 sqft Utility Building |
| Street Address | 420 THOMAS AVE |
|---|---|
| City | FROSTPROOF |
| State | FL |
| Zip | 33843-9749 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SUN RAY HOMES PLAT NO 2 PB 44 PG 26 BLK 7 LOT 13 |
| Legal Range | 28E |
| Legal Township | 32S |
| Legal Section | 07 |
| Legal Subdivision | SUN RAY HOMES PLAT NO 2 |
| Legal Block | 7 |
| Legal Lot Number | 13 |
| Jurisdiction | POLK FL |
| Minor Civil Division | FROSTPROOF |
| Census Blockgroup | 2 |
| Census Block | 2039 |
| Census Tract | 15801 |
Source: Polk County records · APN 28-32-07-985800-007130
Assessment roll updated June 23, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Jul 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage JUSTICE FEDERAL CREDIT UNION |
| Oct 04, 2023 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 19, 2018 · Amount on Record |
| Deed Sale | Mar 19, 2018 · Amount on Record |
| Prior Sale | Apr 01, 2013 · Amount on Record |
| Deed Doc Number | 201859140 |
| Deed Book / Page | 10427 / 738 |
| Prior Transfer Date | Jan 12, 2017 |
| Prior Transfer Doc | 0000166672 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 24, 2026 |
| Property Address | 420 THOMAS AVE, FROSTPROOF, FL 33843-9749 |
| Document Number | 0000177825 |
| Book / Page | 14089 / 254 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 2026177825 |
| Transaction Type | Mortgage |
| Record Updated | Aug 04, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 420 THOMAS AVE, FROSTPROOF, FL 33843-9749 |
| Document Number | 0000177825, |
|---|---|
| Date | Jul 24, 2026 |
| Book Page | 14089/254 |
| Instrument | 2026177825 |
| Name | JUSTICE FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 04, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 420 THOMAS AVE, FROSTPROOF, FL 33843-9749 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 420 THOMAS AVE, FROSTPROOF, FL 33843-9749 |
| Document Number | 0000233589 |
|---|---|
| Date | Oct 04, 2023 |
| Book Page | 12859/1916 |
| Instrument | 2023233589 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 02, 2043 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $424.00 (+3.41%) Homeowner's exemption | $69,139 (+5.99%) | $132,918 (+5.98%) Land $21,000 Building $111,918 |
| 2023 | $410.00 (+1.23%) Homeowner's exemption | $65,233 (+3%) | $125,421 (+22.72%) Land $13,500 Building $111,921 |
| 2022 | $405.00 Homeowner's exemption | $63,333 | $102,205 Land $7,700 Building $94,505 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 68% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 333 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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