428 Emerald Cove Loop, Lakeland, FL 33813 Property Records

Polk County property record for 428 Emerald Cove Loop, Lakeland, FL 33813

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1994
Lot Size	0.172 acres (7,505 sqft)
Owner	Individual Name on File
Last Sale	$104,000 (Aug 1999)
Tax Bill	$3,754 (2025)
Flood Zone	Zone X (minimal risk)
APN	`23-29-13-140832-000310`

Property Details

APN / Parcel Number

Primary APN	`23-29-13-140832-000310`
Alternative APNs	`132923140832000310` `32923000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Living Area
Gross Area	2,186 sqft
1st Floor Area	1,497 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	506 sqft
Porch	Florida Room
Porch Area	219 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	428 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 31
Legal Range	23E
Legal Township	29S
Legal Section	13
Legal Subdivision	EMERALD COVE
Legal Tract	140832
Legal Block	2
Legal Lot Number	31
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2005
Census Tract	11836

Owner

Source: Polk County records · APN 23-29-13-140832-000310

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	Individual Name on File
Mailing Address	4724 20TH AVE, COLUMBUS, GA 31904-6043
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 13, 1999 · Amount on Record
Deed Sale	Aug 13, 1999 · Amount on Record
Prior Sale	Dec 30, 1994 · Amount on Record
Deed Book / Page	4297 / 1127
Transfer Doc	5089001067
Record Updated	Sep 20, 2026

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,754.00 (-4.82%)	$273,044 (-4.01%)	$289,621 (+1.82%) Land $52,000 Building $237,621
2023	$3,944.00 (+7.94%)	$284,454 (+8%) Land $50,000 Building $234,454	$284,454 (+8%) Land $50,000 Building $234,454
2022	$3,654.00	$263,390 Land $40,000 Building $223,390	$263,390 Land $40,000 Building $223,390

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), as of October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050118362, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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 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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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 as of December 31, 2025 · Last verified October 2026

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

May also be available: Frontier.

Based on FCC filings for 454 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL6530852, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SOUTHWEST/POLK COUNTY UTILITY serves 39,209 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.