425 Oak Rdg E, Lakeland, FL 33801 Property Records

Polk County property record for 425 Oak Rdg E, Lakeland, FL 33801

Property Summary

Property Type	Mobile Home
Details	1,080 sqft · built 1998
Lot Size	0.147 acres (6,390 sqft)
Owner	Individual Name on File
Last Sale	$113,000 (Jul 2020)
Tax Bill	$619 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-28-23-242232-000340`

Property Details

APN / Parcel Number

Primary APN	`24-28-23-242232-000340`
Alternative APNs	`232824242232000340` `32824000`

Interior

Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Mobile Home
Lot Area	6,390 sqft (0.147 acres)
Lot Dimensions	106 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	1,998 sqft
Carport	Carport
Carport Area	1,998 sqft

Location & Zoning

Street Address	425 OAK RDG E
City	LAKELAND
State	FL
Zip	33801-6422
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	THE VILLAGE-LAKELAND UNIT 4 ADDITION PB 86 PG 6 LOT 34
Legal Range	24E
Legal Township	28S
Legal Section	23
Legal Subdivision	VILLAGE THE UNIT #4 ADDITION LAKELAND
Legal Tract	242232
Legal Block	2
Legal Lot Number	34
Legal Unit	4
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2007
Census Tract	11722

Owner

425 Oak Rdg E, a mobile home, is owned and occupied by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	425 OAK RDG E, LAKELAND, FL 33801-6422
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	Name on Deed
Last Sale	Jul 14, 2020 · Amount on File
Deed Sale	Jul 14, 2020 · Amount on File
Prior Sale	Jun 21, 2016 · Amount on File
Deed Document Number	2020140738
Deed Book / Page	11298 / 230
Prior Transfer Date	Nov 16, 2007
Prior Transfer Doc	0000241076
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 14, 2020
Property Address	425 OAK RDG E, LAKELAND, FL 33801-6422
Document Number	0112980230
Book / Page	011298 / 000230
Instrument Date	Jun 30, 2020
Instrument	140738
Transaction Type	Transfer
Record Updated	Aug 3, 2020
Title Company	ISLAND TITLE CORPORATION, ISLAND TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$791.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 OAK RDG E LAKELAND FL 338016422, LAKELAND, FL 33801-6422

Mortgage

Document Number	112980231
Date	Jul 14, 2020
Book Page	011298/000231
Instrument	140739

Lender

Name	AMERIFIRST FIN'L CORP
Address	PORTAGE, MI 49002

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 13, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 425 Oak Rdg E was $619 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		$89,038 (+2.7%)	$129,762 (+2.84%) Land $15,500 Building $114,262
2025	$619.00 Homeowner's exemption	$86,697	$126,173 Land $15,500 Building $110,673
2023	$1,074.00 (+6.23%) Homeowner's exemption	$81,800 (+3%)	$117,172 (+29.89%) Land $15,000 Building $102,172
2022	$1,011.00 Homeowner's exemption	$79,417	$90,211 Land $12,500 Building $77,711

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

Flood

FEMA maps place 425 Oak Rdg E 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 24 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	14 (2003–2024)
Claims Outside the SFHA	6 of 14
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 5 claims Hurricane Irma, Sep 2017 · 4 claims Hurricane Frances, Sep 2004 · 2 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 425 Oak Rdg E is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.2% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LAKELAND serves 193,297 people · EPA ID FL6531014
Water Source	Groundwater
Last State Inspection	Jul 2022
Lead	Under 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	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 320 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20