Polk County property record for 4229 Simms Rd, Lakeland, FL 33810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 4,459 sqft · built 2024 |
| Lot Size | 6.29 acres (274,215 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $320,000 (May 2025) |
| Tax Bill | $14,395 (2025) |
| Deeds & Mortgages | Jul 2025 Line of Credit Dec 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-27-32-000000-041020 |
| Primary APN | 23-27-32-000000-041020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 4,459 sqft Living Area |
| Gross Area | 5,861 sqft |
| 1st Floor Area | 4,459 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 274,215 sqft |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 1,402 sqft |
| Pool Type | Enclosed Pool |
| Porch | Finished/Open Porch |
| Street Address | 4229 SIMMS RD |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33810-5419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Description | BEG SW COR OF NE1/4 OF SW1/4 OF SEC RUN N00-06-13E 1132.78 FT N89-41-31E 232.80 FT S00-06-13W 1159.80 FT TO NLY R/W LN OF SIMMS RD SWLY ALONG CURVE 28.65 FT S87-27-59W 120.95 FT SWLY ALONG CURVE 93.57 FT N00-06-13E 71.28 FT TO POB |
| Legal Range | 23E |
| Legal Township | 27S |
| Legal Section | 32 |
| Legal Subdivision | CINDY ROAD ACREAGE TRACTS |
| Legal Tract | 000000 |
| Legal Block | 1 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 12124 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4229 SIMMS RD, LAKELAND, FL 33810-5419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 7, 2025 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Dec 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU |
| Jul 18, 2022 | Warranty Deed, Transfer MILLENIA TITLE LLC, MILLER TROIANO TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2025 · Amount on Record |
| Deed Sale | May 15, 2025 · Amount on Record |
| Prior Sale | Jul 18, 2022 · Amount on Record |
| Deed Document Number | 2025114314 |
| Deed Book / Page | 13549 / 140 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4229 SIMMS RD, LAKELAND, FL 33810-5419 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000155973 |
|---|---|
| Date | Jul 7, 2025 |
| Book Page | 13611/1034 |
| Instrument | 2025155973 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Jun 25, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4229 SIMMS RD, LAKELAND, FL 33810-5419 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 5767 DEER FLAG DR, LAKELAND, FL 33811-2000 |
| Investor | Possibly a Property Investor |
| Document Number | 0000320319 |
|---|---|
| Date | Dec 12, 2022 |
| Book Page | 12514/1357 |
| Instrument | 2022320319 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 379 Months |
| Due | Jul 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Type Change Date | Jul 1, 2034 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.1% |
| Index | 1-Year T-Bill |
| Max Rate | 10.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 18, 2022 |
| Property Address | 4229 SIMMS RD, LAKELAND, FL 33810-5419 |
| Document Number | 0000194459 |
| Book / Page | 12341 / 1947 |
| Instrument Date | Jul 15, 2022 |
| Instrument | 2022194459 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | MILLENIA TITLE LLC, MILLER TROIANO TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,030.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1065 GEORGE JENKINS BLVD, LAKELAND, FL 33815-1361 |
| Name | Verified Name |
|---|---|
| Address | 5767 DEER FLAG DR, LAKELAND, FL 33811-2000 |
| Investor | Possibly a Property Investor |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,184,756 (+2.7%) | $1,364,450 (-2.85%) Land $64,829 Building $1,299,621 | |
| 2025 | $14,395.00 (+1,646.97%) | $1,153,609 (+1,736.11%) | $1,404,407 (+2,135.28%) Land $64,829 Building $1,339,578 |
| 2023 | $824.00 (+5,05%) | $62,829 (+5,092.48%) Land $62,829 | $62,829 (+6.57%) Land $62,829 |
| 2022 | $16.00 | $1,210 Land $1,210 | $58,954 Land $58,954 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| Flood Insurance Cost | Premium on Record median of 72 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 72 in force |
| Nearby Flood Claims | 69 (1979–2024) |
| Claims Outside the SFHA | 7 of 69 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 55% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 35 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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