Polk County property record for 43910 Co Rd 54 E, Kathleen, FL 33849
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,763 sqft · built 2021 |
| Lot Size | 5.03 acres (219,307 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,978 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-26-03-000000-011130 |
| Primary APN | 22-26-03-000000-011130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,763 sqft Living Area |
| Gross Area | 3,328 sqft |
| 1st Floor Area | 2,264 sqft |
| Upper Floors Area | 499 sqft |
| Flooring | Wood |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 219,307 sqft |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 565 sqft |
| Porch | Finished/Open Porch |
| Street Address | 43910 HIGHWAY 54 |
|---|---|
| City | KATHLEEN |
| State | FL |
| Zip | 33849 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N1/2 OF NE1/4 OF NE1/4 OF SEC LYING S OF SR 54 & W OF W R/W LINE OF OCONNOR RD AS REC IN MB 21 PG 92 LESS W 840 FT THEREOF |
| Legal Range | 22E |
| Legal Township | 26S |
| Legal Section | 03 |
| Legal Subdivision | HOWARD RANCH ESTATES |
| Legal Block | 1 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 12130 |
43910 Co Rd 54 E is owned and occupied by two individuals.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 43910 COUNTY ROAD 54, KATHLEEN, FL 33849-9531 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 43910 COUNTY ROAD 54 E, KATHLEEN, FL 33849-9531 |
| Document Number | 0113151278 |
| Instrument Date | Jul 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 38121 CENTRAL AVE ZEPHYRHILLS FL 335403387, ZEPHYRHILLS, FL 33540-3387 |
| Document Number | 0113151278 |
|---|---|
| Date | Jul 29, 2020 |
| Book Page | 011315/001278 |
| Instrument | 152465 |
| Name | SOUTH ST BK |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33880 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 28, 2050 |
The 2025 property tax bill for 43910 Co Rd 54 E was $4,978 with a homeowner's exemption.
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 | $436,714 (+2.7%) | $477,076 (-2.19%) Land $72,718 Building $404,358 | |
| 2025 | $4,978.00 Homeowner's exemption | $425,233 | $487,769 Land $72,718 Building $415,051 |
| 2023 | $5,284.00 (+3.49%) Homeowner's exemption | $401,213 (+3%) | $497,731 (+18.27%) Land $70,211 Building $427,520 |
| 2022 | $5,106.00 Homeowner's exemption | $389,527 | $420,837 Land $58,176 Building $362,661 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43910 Co Rd 54 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 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 File median of 18 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 5 (2024) |
| Claims Outside the SFHA | 2 of 5 |
| 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.
Wildfire risk around 43910 Co Rd 54 E is high, ranking above 87% of the US, with a 0.8% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 87% of the US · above 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.8% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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