Polk County property record for 438 F St, Lake Wales, FL 33853
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,312 sqft · built 2024 |
| Lot Size | 0.114 acres (4,983 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (May 2025) |
| Tax Bill | $3,873 (2025) |
| Deeds & Mortgages | Dec 2022 Construction Loan Dec 2024 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-29-34-874000-001030 |
| Primary APN | 27-29-34-874000-001030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,312 sqft Living Area |
| Gross Area | 1,574 sqft |
| 1st Floor Area | 1,312 sqft |
| Flooring | Tile |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 4,983 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 262 sqft |
| Street Address | 438 F ST |
|---|---|
| City | LAKE WALES |
| State | FL |
| Zip | 33853-3107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | AVONDALE SUB PB 33 PG 25 BLK 1 LOT 3 |
| Legal Range | 27E |
| Legal Township | 29S |
| Legal Section | 34 |
| Legal Subdivision | AVONDALE SUBDIVISION |
| Legal Tract | 874000 |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 14301 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 438 F ST, LAKE WALES, FL 33853-3107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 7, 2022 | Deed of Trust, Mortgage · Construction Mortgage CENTRAL FLORIDA LENDING FUND LLC |
| Dec 31, 2024 | Deed of Trust, Mortgage · Line of Credit CREWS BANK & TRUST |
| Dec 9, 2024 | Deed of Trust, Mortgage · Line of Credit CREWS BANK & TRUST |
| May 1, 2025 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Apr 17, 2024 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Sep 21, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2025 · Amount on File |
| Deed Sale | May 1, 2025 · Amount on File |
| Prior Sale | Apr 17, 2024 · Amount on File |
| Deed Document Number | 2025101394 |
| Deed Book / Page | 13529 / 1450 |
| Prior Transfer Date | Sep 20, 2022 |
| Prior Transfer Doc | 0000256559 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 438 F ST, LAKE WALES, FL 33853-3107 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5401 W KENNEDY BLVD 100, 100, TAMPA, FL 33609-2457 |
| Document Number | 0000317480 |
|---|---|
| Date | Dec 7, 2022 |
| Book Page | 12510/1693 |
| Instrument | 2022317480 |
| Name | CENTRAL FLORIDA LENDING FUND LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | LAKELAND, FL 33801 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Dec 1, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 438 F ST, LAKE WALES, FL 33853-3107 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Name | Verified Name |
|---|---|
| Address | 640 CADIZ LOOP, DAVENPORT, FL 33837-1410 |
| Document Number | 0000295527 |
|---|---|
| Date | Dec 31, 2024 |
| Book Page | 13385/1802 |
| Instrument | 2024295527 |
| Name | CREWS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | WAUCHULA, FL 33873 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Dec 3, 2025 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 438 F ST, LAKE WALES, FL 33853-3107 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Name | Verified Name |
|---|---|
| Address | 640 CADIZ LOOP, DAVENPORT, FL 33837-1410 |
| Document Number | 0000277265 |
|---|---|
| Date | Dec 9, 2024 |
| Book Page | 13359/562 |
| Instrument | 2024277265 |
| Name | CREWS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | WAUCHULA, FL 33873 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Dec 3, 2025 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 1, 2025 |
| Property Address | 438 F ST, LAKE WALES, FL 33853-3107 |
| Document Number | 0000101394 |
| Book / Page | 13529 / 1450 |
| Map Reference | MB 33 PG 25 |
| Instrument Date | Apr 11, 2025 |
| Instrument | 2025101394 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2025 |
| Title Company | UNIK TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 640 CADIZ LOOP, DAVENPORT, FL 33837-1410 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 438 F ST, LAKE WALES, FL 33853-3107 |
| Document Number | 0135291452 |
|---|---|
| Date | May 1, 2025 |
| Instrument | 13529/1452 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2055 |
| Document Number | 0000101396 |
|---|---|
| Date | May 1, 2025 |
| Book Page | 13529/1469 |
| Instrument | 2025101396 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 17, 2024 |
| Property Address | 438 F ST, LAKE WALES, FL 33853-3107 |
| Document Number | 0000087767 |
| Book / Page | 13080 / 1907 |
| Map Reference | MB 33 PG 25 |
| Instrument Date | Apr 11, 2024 |
| Instrument | 2024087767 |
| Transaction Type | Transfer |
| Record Updated | Apr 30, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,666.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5401 W KENNEDY BLVD STE 100, 100, TAMPA, FL 33609-2457 |
| Name | Verified Name |
|---|---|
| Address | 640 CADIZ LOOP, DAVENPORT, FL 33837-1410 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 21, 2022 |
| Property Address | 438 F ST, LAKE WALES, FL 33853-3107 |
| Document Number | 0000256559 |
| Book / Page | 12428 / 376 |
| Map Reference | MB 33 PG 25 |
| Instrument Date | Sep 20, 2022 |
| Instrument | 2022256559 |
| Transaction Type | Transfer |
| Record Updated | Apr 30, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5401 W KENNEDY BLVD STE 100, 100, TAMPA, FL 33609-2457 |
| Name | Verified Name |
|---|---|
| Address | 5401 W KENNEDY BLVD STE 100, 100, TAMPA, FL 33609-2457 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Lake Wales City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $189,518 (-1.4%) Land $10,464 Building $179,054 | $189,518 (-1.4%) Land $10,464 Building $179,054 | |
| 2025 | $3,873.00 (+1,199.66%) | $192,209 (+1,736.86%) Land $10,464 Building $181,745 | $192,209 (+1,736.86%) Land $10,464 Building $181,745 |
| 2024 | $298.00 (+142.28%) | $10,464 (+64.27%) Land $10,464 | $10,464 (+64.27%) Land $10,464 |
| 2023 | $123.00 (+25.51%) | $6,370 (+21.73%) Land $6,370 | $6,370 (+21.73%) Land $6,370 |
| 2022 | $98.00 | $5,233 Land $5,233 | $5,233 Land $5,233 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| Nearby Flood Policies | 4 in force |
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 | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
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 LAKE WALES serves 18,722 people · EPA ID FL6532234 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2023 |
| 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 | 1 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 342 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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