Polk County property record for 435 S Combee Rd, Lakeland, FL 33801
| Property Type | Bank, Financial Building |
|---|---|
| Details | 1 bd · 2,556 sqft · built 1982 |
| Lot Size | 3.34 acres (145,573 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $500,000 (Nov 2007) |
| Tax Bill | $7,310 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 24-28-21-000000-011120 |
| Primary APN | 24-28-21-000000-011120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 2,556 sqft Gross Area |
| 1st Floor Area | 2,556 sqft |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1995 |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Flat |
| Roof Material | Tile |
| Lot Area | 145,573 sqft |
| Lot Dimensions | 345 ft deep x 105 ft wide |
| View / Lot | Agricultural |
| Canopy | 2,358 sqft |
| Street Address | 435 S COMBEE RD |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33801-6307 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Bank, Financial Building |
| Local Zoning Code | C3 |
| Legal Description | E 395 FT OF E1/2 OF NE1/4 LYING NELY OF E LOOP BLVD LESS ST RD S-33-A R/W |
| Legal Range | 24E |
| Legal Township | 28S |
| Legal Section | 21 |
| Legal Subdivision | CRANEY R B PROP |
| Legal Tract | 000000 |
| Legal Block | 2 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 11731 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 38 FOUNTAIN SQUARE PLZ, CINCINNATI, OH 45202-3102 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2007 · Amount on Record |
| Deed Sale | Nov 13, 2007 · Amount on Record |
| Prior Sale | Feb 23, 2005 · Amount on Record |
| Deed Document Number | 2007229972 |
| Deed Book / Page | 7479 / 385 |
| Record Updated | Oct 29, 2026 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $598,851 (+1%) | $636,227 (+16.87%) Land $109,190 Building $527,037 | |
| 2025 | $7,310.00 (-13.31%) | $544,410 (+8.49%) Land $109,190 Building $435,220 | $544,410 (+8.49%) Land $109,190 Building $435,220 |
| 2023 | $8,432.00 (-1.89%) | $501,828 (-2.79%) Land $109,190 Building $392,638 | $501,828 (-2.79%) Land $109,190 Building $392,638 |
| 2022 | $8,594.00 | $516,227 Land $109,190 Building $407,037 | $516,227 Land $109,190 Building $407,037 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 4 (2004–2024) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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