4246 Simms Rd, Lakeland, FL 33810 Property Records

Polk County property record for 4246 Simms Rd, Lakeland, FL 33810

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,392 sqft · built 1969
Lot Size	2.52 acres (109,884 sqft)
Owner	2 Individual Names on File
Last Sale	$18,000 (Jul 1999)
Tax Bill	$1,471 (2025)
Deeds & Mortgages	Dec 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-27-32-000000-042130`

Property Details

APN / Parcel Number

Primary APN	`23-27-32-000000-042130`
Alternative APNs	`322723000000042130` `22723000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,392 sqft Living Area
1st Floor Area	2,392 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	109,884 sqft
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	720 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	512 sqft
Porch	Unfinished Open Porch
Porch Area	42 sqft
Shed	1 Shed
Lean-To	360 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4246 SIMMS RD
City	LAKELAND
State	FL
Zip	33810-0402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	W 10 AC OF SE1/4 OF SW1/4 LYING S OF SIMMS RD LESS S 874 FT
Legal Range	23E
Legal Township	27S
Legal Section	32
Legal Subdivision	CINDY ROAD ACREAGE TRACTS
Legal Tract	000000
Legal Block	3
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	3
Census Block	3017
Census Tract	12124

Owner

4246 Simms Rd is owned and occupied by two individuals who bought it in July 1999.

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

Owner of Record	2 Individual Names on File
Mailing Address	4246 SIMMS RD, LAKELAND, FL 33810-0402
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 1999 · Amount on File
Deed Sale	Jul 13, 1999 · Amount on File
Deed Book / Page	4278 / 2038
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4246 SIMMS RD, LAKELAND, FL 33810-0402
Transaction Type	Mortgage
Record Updated	Dec 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4246 SIMMS RD, LAKELAND, FL 33810-0402
Investor	Possibly a Property Investor

Mortgage

Document Number	0000282956
Date	Dec 4, 2023
Book Page	12928/837
Instrument	2023282956

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 4246 Simms Rd was $1,471 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 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
2026		$158,133 (+2.7%)	$439,198 (+2.93%) Land $80,640 Building $358,558
2025	$1,471.00 Homeowner's exemption	$153,976	$426,708 Land $80,640 Building $346,068
2023	$1,942.00 (+3.74%) Homeowner's exemption	$145,279 (+3%)	$416,499 (+8.37%) Land $78,120 Building $338,379
2022	$1,872.00 Homeowner's exemption	$141,048	$384,340 Land $65,268 Building $319,072

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

Flood

FEMA maps place 4246 Simms Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 46 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	46 in force
Nearby Flood Claims	19 (2017–2024)
Claims Outside the SFHA	2 of 19
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 15 claims Hurricane Irma, Sep 2017 · 3 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

Wildfire risk around 4246 Simms Rd is high, ranking above 71% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 25 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 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20