424 Emerald Cove Loop, Lakeland, FL 33813 Property Records

Polk County property record for 424 Emerald Cove Loop, Lakeland, FL 33813

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,244 sqft · built 1994
Lot Size	0.172 acres (7,505 sqft)
Owner	Company Name on Record
Last Sale	$304,000 (Sep 2022)
Tax Bill	$3,454 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jul 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-29-13-140832-000320`

Property Details

APN / Parcel Number

Primary APN	`23-29-13-140832-000320`
Alternative APNs	`132923140832000320` `32923000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,244 sqft Living Area
Gross Area	1,704 sqft
1st Floor Area	1,244 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	7,505 sqft (0.172 acres)
Lot Dimensions	115 ft deep x 65 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	460 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	175 sqft
Patio Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	424 EMERALD COVE LOOP
City	LAKELAND
State	FL
Zip	33813-2750
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD COVE PB 97 PG 22 LOT 32
Legal Range	23E
Legal Township	29S
Legal Section	13
Legal Subdivision	EMERALD COVE
Legal Tract	140832
Legal Block	2
Legal Lot Number	32
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2005
Census Tract	11836

Owner

Source: Polk County records, as of June 23, 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 Record
Mailing Address	15771 RED HILL AVE, 100, TUSTIN, CA 92780-7333
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2023	Deed of Trust, Mortgage · Commercial Mortgage MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Jul 17, 2023	Intrafamily Transfer, Transfer OS NATIONAL LLC
Sep 21, 2022	Warranty Deed, Transfer OS NATIONAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2022 · Amount on Record
Deed Sale	Sep 21, 2022 · Amount on Record
Prior Sale	Aug 1, 2016 · Amount on Record
Deed Document Number	2022255898
Deed Book / Page	12427 / 393
Last Transfer Date	Jul 11, 2023
Transfer Doc	0000165529
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	424 EMERALD COVE LOOP, LAKELAND, FL 33813-2750
Transaction Type	Mortgage
Record Updated	Aug 7, 2023
Title Company	OS NATIONAL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000172360
Date	Jul 25, 2023
Book Page	12775/867
Instrument	2023172360

Lender

Name	MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Type	Mortgage Company
Address	NEW YORK, NY 10036

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Jul 17, 2023
Property Address	424 EMERALD COVE LOOP, LAKELAND, FL 33813-2750
Document Number	0000165529
Book / Page	12765 / 1131
Map Reference	MB 97 PG 22
Instrument Date	Jul 11, 2023
Instrument	2023165529
Transaction Type	Transfer
Record Updated	Aug 7, 2023
Title Company	OS NATIONAL LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15771 RED HILL AVE, TUSTIN, CA 92780-7333

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15771 RED HILL AVE, TUSTIN, CA 92780-7333
Investor	Possibly a Property Investor

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 21, 2022
Property Address	424 EMERALD COVE LOOP, LAKELAND, FL 33813-2750
Document Number	0000255898
Book / Page	12427 / 393
Map Reference	MB 97 PG 22
Instrument Date	Sep 14, 2022
Instrument	2022255898
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$2,128.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	35 WASHINGTON AND LEE BLVD, 35, STAFFORD, VA 22556-6433

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15087, SANTA ANA, CA 92735-0087
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,454.00 (-13.52%)	$257,274 (+1.84%) Land $52,000 Building $205,274	$257,274 (+1.84%) Land $52,000 Building $205,274
2023	$3,994.00 (+253.14%)	$252,633 (+195.65%) Land $50,000 Building $202,633	$252,633 (+7.68%) Land $50,000 Building $202,633
2022	$1,131.00 Homeowner's exemption	$85,449	$234,624 Land $40,000 Building $194,624

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	3 (2002–2017)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2017 · Hurricane Irma

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 Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% 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	SOUTHWEST/POLK COUNTY UTILITY serves 39,209 people · EPA ID FL6530852
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	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	11 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 454 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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