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433 Oak Rdg E, Lakeland, FL 33801 Property Records

Polk County property record for 433 Oak Rdg E, Lakeland, FL 33801

Property Summary

Property TypeMobile Home
Details1,620 sqft · built 2001
Lot Size0.147 acres (6,390 sqft)
Owner2 Individual Names on File
Last Sale$56,000 (Feb 2015)
Tax Bill$273 (2025)
Deeds & MortgagesMay 2026 Mortgage
Sep 2025 Transfer
Flood ZoneZone X (minimal risk)
APN24-28-23-242232-000360

Property Details

APN / Parcel Number

Primary APN24-28-23-242232-000360
Alternative APNs
  • 232824242232000360
  • 32824000

Interior

Building Area1,620 sqft Living Area
1st Floor Area1,620 sqft

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Architectural StyleMobile Home
Lot Area6,390 sqft (0.147 acres)
Lot Dimensions106 ft deep x 60 ft wide
Garage TypeCarport
Garage Area300 sqft
CarportCarport
Carport Area300 sqft
Shed1 Shed

Location & Zoning

Street Address433 OAK RDG E
CityLAKELAND
StateFL
Zip33801-6422
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Legal DescriptionTHE VILLAGE-LAKELAND UNIT 4 ADDITION PB 86 PG 6 LOT 36
Legal Range24E
Legal Township28S
Legal Section23
Legal SubdivisionVILLAGE THE UNIT #4 ADDITION LAKELAND
Legal Tract242232
Legal Block2
Legal Lot Number36
Legal Unit4
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group2
Census Block2007
Census Tract11722

Owner

433 Oak Rdg E, a mobile home, is owned and occupied by two individuals who acquired it in April 2023.

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

Owner of Record2 Individual Names on File
Mailing Address433 OAK RDG E, LAKELAND, FL 33801-6422
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

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

DateDocument
May 20, 2026Deed of Trust, Mortgage · Conventional Mortgage
MAINE FINANCIAL SERVICES
Sep 22, 2025Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 6, 2015 · Amount on File
Deed SaleFeb 6, 2015 · Amount on File
Prior SaleDec 15, 2014 · Amount on File
Deed Document Number201521995
Deed Book / Page9447 / 75
Last Transfer DateApr 6, 2023
Transfer Doc0000221606
Record UpdatedOct 29, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Recording DateMay 20, 2026
Property Address433 OAK RDG E, LAKELAND, FL 33801-6422
Document Number0000120115
Book / Page14005 / 455
Instrument DateMay 7, 2026
Instrument2026120115
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address433 OAK RDG E, LAKELAND, FL 33801-6422
InvestorPossibly a Property Investor

Mortgage

Document Number0000120115,
DateMay 20, 2026
Book Page14005/455
Instrument2026120115
Lender
NameMAINE FINANCIAL SERVICES
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
Interest
Rate9%
Max Rate-1%

September 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateSep 22, 2025
Property Address433 OAK RDG E, LAKELAND, FL 33801-6422
Document Number0000221606
Book / Page13706 / 1624
Map ReferenceMB 86 PG 6
Instrument DateApr 6, 2025
Instrument2025221606
Transaction TypeTransfer
Record UpdatedOct 8, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address433 OAK RDG E, LAKELAND, FL 33801-6422

Transferred To (Grantee/Buyer)

NameVerified Name
Address433 OAK RDG E, LAKELAND, FL 33801-6422

Tax Assessment & Valuation

The 2025 property tax bill for 433 Oak Rdg E was $273, down 69.8% from the year before.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$75,496 (+2.7%)$182,815 (+3.67%) Land $15,500 Building $167,315
2025$273.00 (-69.8%) Homeowner's exemption Senior Citizen's exemption$73,511 (+2.9%)$176,346 (+0.25%) Land $15,500 Building $160,846
2024$904.00 (+18.32%) Homeowner's exemption$71,439 (+3%)$175,909 (+7.83%) Land $15,500 Building $160,409
2023$764.00 (+6.11%) Homeowner's exemption$69,358 (+3%)$163,140 (+30.82%) Land $15,000 Building $148,140
2022$720.00 Homeowner's exemption$67,338$124,705 Land $12,500 Building $112,205

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

Flood

FEMA maps place 433 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 24 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies24 in force
Nearby Flood Claims14 (2003–2024)
Claims Outside the SFHA6 of 14
Most Recent ClaimOct 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 433 Oak Rdg E is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire RiskModerate
above 46% of the US · lower than 82% of Florida
Wildfire Likelihood0.09% annual chance
ExposureIndirect
within ember reach

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 SystemCITY OF LAKELAND
serves 193,297 people · EPA ID FL6531014
Water SourceGroundwater
Last State InspectionJul 2022
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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

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

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