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421 Windermere Dr, Lakeland, FL 33809 Property Records

Polk County property record for 421 Windermere Dr, Lakeland, FL 33809

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,032 sqft · built 1965
Lot Size0.306 acres (13,325 sqft)
Owner2 Individual Names on Record
Last Sale$376,000 (Feb 2022)
Tax Bill$1,800 (2025)
Deeds & MortgagesFeb 2022 Sale & Mortgage
May 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN23-27-24-008300-006070

Property Details

APN / Parcel Number

Primary APN23-27-24-008300-006070
Alternative APNs
  • 242723008300006070
  • 42723000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,032 sqft Living Area
Gross Area2,472 sqft
1st Floor Area1,792 sqft
FlooringConcrete/Cement
Interior WallsPlaster

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 2015
Exterior MaterialStucco
Construction TypeSteel Frame
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area13,325 sqft (0.306 acres)
Lot Dimensions129 ft deep x 105 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area440 sqft

Exterior Amenities

Pool TypeEnclosed Pool
Pool Area568 sqft
PorchFlorida Room
Porch Area300 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address421 WINDERMERE DR
CityLAKELAND
StateFL
Zip33809-3360
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionLAKE GIBSON ESTATES PB 44 PG 25 BLK F LOT 7
Legal Range23E
Legal Township27S
Legal Section24
Legal SubdivisionLAKE GIBSON ESTATES
Legal Tract8300
Legal BlockF
Legal Lot Number7
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group1
Census Block1005
Census Tract12209

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address421 WINDERMERE DR, LAKELAND, FL 33809-3360
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 22, 2022Warranty Deed, Transfer · Conventional Mortgage
CROSSCOUNTRY MORTGAGE LLC
May 28, 2021Deed of Trust, Mortgage · FHA Mortgage
LAKEVIEW LOAN SERVICING LLC
Jun 15, 2018Warranty Deed, Mortgage · FHA Mortgage
BBMC MTG
Dec 28, 2017Warranty Deed, Transfer
ADVANTAGE TITLE COMPANY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 22, 2022 · Amount on Record
Deed SaleFeb 22, 2022 · Amount on Record
Prior SaleJun 15, 2018 · Amount on Record
Deed Document Number202247709
Deed Book / Page12127 / 1402
Record UpdatedOct 29, 2026

February 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateFeb 22, 2022
Property Address421 WINDERMERE DR, LAKELAND, FL 33809-3360
Document Number0000047709
Book / Page12127 / 1402
Map ReferenceMB 44 PG 25
Instrument DateFeb 18, 2022
Instrument2022047709
Transaction TypeTransfer
Record UpdatedMar 8, 2022
Title CompanyCAPSTONE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,632.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1750 W MONROE ST, 1750, WYTHEVILLE, VA 24382-1656

Transferred To (Grantee/Buyer)

NameVerified Name
Address421 WINDERMERE DR, LAKELAND, FL 33809-3360

Mortgage

Document Number0121271404
DateFeb 22, 2022
Instrument12127/1404
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2052

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address421 WINDERMERE DR, LAKELAND, FL 33809-3360
Transaction TypeMortgage
Record UpdatedJun 14, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address421 WINDERMERE DR, LAKELAND, FL 33809-3360

Mortgage

Document Number0000140149
DateMay 28, 2021
Book Page11737/202
Instrument2021140149
Lender
NameLAKEVIEW LOAN SERVICING LLC
TypeMortgage Company
AddressMIAMI, FL 33146
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2051

June 2018: Warranty Deed, Mortgage

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJun 15, 2018
Property Address421 WINDERMERE DR, LAKELAND, FL 33809-3360
Document Number0105191664
Book / Page010519 / 001664
Instrument DateMay 31, 2018
Instrument129196
Transaction TypeMortgage
Record UpdatedJul 3, 2018
Title CompanyADVANTAGE TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$11.88
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address421 WINDERMERE DR LAKELAND FL 338093360, LAKELAND, FL 33809-3360

Mortgage

Document Number105191666
DateJun 15, 2018
Book Page010519/001666
Instrument129197
Lender
NameBBMC MTG
TypeMortgage Company
AddressLOMBARD, IL 60148
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 14, 2048

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateDec 28, 2017
Property Address421 WINDERMERE DR, LAKELAND, FL 33809-3360
Document Number0103521502
Book / Page010352 / 001502
Instrument DateDec 19, 2017
Instrument249245
Transaction TypeTransfer
Record UpdatedJan 18, 2018
Title CompanyADVANTAGE TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$833.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCorporate Trust
Address5337 N SOCRUM LOOP RD #188 LAKELAND FL 338094256, 188, LAKELAND, FL 33809-4256

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$189,433 (+2.7%)$307,558 (-1.71%) Land $50,000 Building $257,558
2025$1,800.00 (-19.5%) Homeowner's exemption$184,453 (+5.99%)$312,910 (-0.14%) Land $50,000 Building $262,910
2023$2,236.00 (-23.95%) Homeowner's exemption$174,034 (-23.52%)$313,350 (+3.41%) Land $48,000 Building $265,350
2022$2,940.00$227,545$303,016 Land $40,000 Building $263,016

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

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 21 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies21 in force
Nearby Flood Claims12 (2017–2024)
Claims Outside the SFHA4 of 12
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 11 claims

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

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

Wildfire RiskLow
lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

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 202 locations within half a mile, as of December 31, 2025

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

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