425 W Socrum Loop Rd, Lakeland, FL 33809 Property Records

Polk County property record for 425 W Socrum Loop Rd, Lakeland, FL 33809 · Last verified July 2026

Property Summary

Property Type	Pasture
Details	3 bd · 2 ba · 2,219 sqft · built 1994
Lot Size	4.81 acres (209,850 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Nov 2023)
Tax Bill	$4,733 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`23-27-12-000000-013040`

Property Details

APN / Parcel Number

Primary APN	`23-27-12-000000-013040`
Alternative APNs	`122723000000013040` `22723000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,219 sqft Gross Area
1st Floor Area	1,735 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2010
Exterior Material	Brick
Construction Type	Wood
Roof Type	Hip
Roof Material	Other
Lot Area	209,850 sqft
View / Lot	Agricultural
Garage Type	Attached
Garage Area	484 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	56 sqft
Patio Area	200 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	425 W SOCRUM LOOP RD
City	LAKELAND
State	FL
Zip	33809-2237
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Pasture
Legal Description	E1/2 OF SW1/4 OF NW1/4 OF NE1/4 LESS MAINT R/W
Legal Range	23E
Legal Township	27S
Legal Section	12
Legal Subdivision	BRENTWOOD LANE
Legal Tract	000000
Legal Block	2
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2013
Census Tract	12307

Owner

Source: Polk County records · APN 23-27-12-000000-013040

Assessment roll updated June 23, 2026 · Last verified July 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 File
Mailing Address	425 W SOCRUM LOOP RD, LAKELAND, FL 33809-2237
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage · VA Mortgage WATERMAN BANK
Nov 28, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 05, 2023	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Dec 02, 2021	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Nov 08, 2019	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 28, 2023 · Amount on Record
Deed Sale	Nov 28, 2023 · Amount on Record
Prior Sale	Nov 08, 2019 · Amount on Record
Deed Document Number	2023277456
Deed Book / Page	12920 / 731
Prior Transfer Date	Sep 09, 2003
Prior Transfer Doc	0000194236
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	425 W SOCRUM LOOP RD, LAKELAND, FL 33809-2237
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425WSOCRUM LOOP RD, LAKELAND, FL 33809

Mortgage

Document Number	0000045749
Date	Feb 25, 2026
Book Page	13894/158
Instrument	2026045749

Lender

Name	WATERMAN BANK
Type	Bank
Address	WATERMAN, IL 60556

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2056

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 28, 2023
Property Address	425 W SOCRUM LOOP RD, LAKELAND, FL 33809-2237
Document Number	0000277456
Book / Page	12920 / 731
Instrument Date	Nov 21, 2023
Instrument	2023277456
Transaction Type	Transfer
Record Updated	Dec 13, 2023
Title Company	TITLE TECH NETWORKS INC, TITLE TECH NETWORKS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1622 MICHIGAN AVE, SAINT CLOUD, FL 34769-4543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 W SOCRUM LOOP RD, LAKELAND, FL 33809-2237

Mortgage

Document Number	0012920732
Date	Nov 28, 2023
Instrument	12920/732

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2053

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	425 W SOCRUM LOOP RD, LAKELAND, FL 33809-2237
Transaction Type	Mortgage
Record Updated	Sep 18, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 W SOCRUM LOOP RD, LAKELAND, FL 33809-2237

Mortgage

Document Number	0000208114
Date	Sep 05, 2023
Book Page	12825/403
Instrument	2023208114

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Dec 01, 2049

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	425 W SOCRUM LOOP RD, LAKELAND, FL 33809-2237
Transaction Type	Mortgage
Record Updated	Dec 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 W SOCRUM LOOP RD, LAKELAND, FL 33809-2237

Mortgage

Document Number	0000313166
Date	Dec 02, 2021
Book Page	12007/582
Instrument	2021313166

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Dec 01, 2049

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 08, 2019
Property Address	425 W SOCRUM LOOP RD, LAKELAND, FL 33809-2237
Document Number	0110350585
Book / Page	011035 / 000585
Instrument Date	Oct 31, 2019
Instrument	237799
Transaction Type	Transfer
Record Updated	Dec 02, 2019
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TITLE GRP/LAKELAND LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,885.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	425 W SOCRUM LOOP RD LAKELAND FL 338092237, LAKELAND, FL 33809-2237

Mortgage

Document Number	110350587
Date	Nov 08, 2019
Book Page	011035/000587
Instrument	237800

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 07, 2049

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,733.00 (-10.19%)	$366,112 (+74.11%) Land $17,664 Building $348,448	$366,112 (+16.01%) Land $17,664 Building $348,448
2024	$5,270.00 (+92.2%)
2023	$2,742.00 (+3.2%) Homeowner's exemption	$210,275 (+3%)	$315,597 (+11.55%) Land $17,112 Building $298,485
2022	$2,657.00 Homeowner's exemption	$204,150	$282,925 Land $14,352 Building $268,573

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050123072, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 41 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	13 (2004–2024)
Claims Outside the SFHA	2 of 13
Most Recent Claim	Oct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm	Hurricane Milton, Oct 2024 · 7 claims Hurricane Irma, Sep 2017 · 4 claims Hurricane Frances, Sep 2004 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 221 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on W Socrum Loop Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures