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440 Emerald Cove Loop, Lakeland, FL 33813 Property Records

Polk County property record for 440 Emerald Cove Loop, Lakeland, FL 33813

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,218 sqft · built 1995
Lot Size0.172 acres (7,505 sqft)
Owner2 Individual Names on File
Last Sale$168,500 (Apr 2007)
Tax Bill$3,019 (2025)
Deeds & MortgagesJul 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN23-29-13-140832-000280

Property Details

APN / Parcel Number

Primary APN23-29-13-140832-000280
Alternative APNs
  • 132923140832000280
  • 32923000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,218 sqft Living Area
Gross Area1,598 sqft
1st Floor Area1,218 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 1995
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGambrel
Roof MaterialOther
Lot Area7,505 sqft (0.172 acres)
Lot Dimensions115 ft deep x 65 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area380 sqft
PorchUnfinished Open Porch

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address440 EMERALD COVE LOOP
CityLAKELAND
StateFL
Zip33813-2750
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionEMERALD COVE PB 97 PG 22 LOT 28
Legal Range23E
Legal Township29S
Legal Section13
Legal SubdivisionEMERALD COVE
Legal Tract140832
Legal Block2
Legal Lot Number28
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group2
Census Block2005
Census Tract11836

Owner

440 Emerald Cove Loop is owned by two individuals who bought it in April 2007.

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

Owner of Record2 Individual Names on File
Mailing Address2107 DEERBROOK DR, LAKELAND, FL 33811-4028
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 24, 2007 · Amount on File
Deed SaleApr 24, 2007 · Amount on File
Prior SaleAug 30, 2002 · Amount on File
Deed Document Number200786299
Deed Book / Page7259 / 195
Record UpdatedOct 29, 2026

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address440 EMERALD COVE LOOP, LAKELAND, FL 33813-2750
Document Number0112991292
Instrument DateJul 9, 2020
Transaction TypeMortgage
Record UpdatedAug 10, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2107 DEERBROOK DR LAKELAND FL 338114028, LAKELAND, FL 33811-4028

Mortgage

Document Number0112991292
DateJul 15, 2020
Book Page011299/001292
Instrument141651
Lender
NameMOVEMENT MTG
TypeMortgage Company
AddressINDIAN LAND, SC 29707
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJul 14, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 440 Emerald Cove Loop was $3,019.

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$221,578 (+0.43%) Land $52,000 Building $169,578$221,578 (-4.23%) Land $52,000 Building $169,578
2025$3,019.00$220,628$231,369 Land $52,000 Building $179,369
2023$3,282.00 (+7.18%)$227,752 (+5.88%) Land $50,000 Building $177,752$227,752 (+5.88%) Land $50,000 Building $177,752
2022$3,062.00$215,098 Land $40,000 Building $175,098$215,098 Land $40,000 Building $175,098

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

Flood

FEMA maps place 440 Emerald Cove Loop in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 12 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies12 in force
Nearby Flood Claims3 (2002–2017)
Claims Outside the SFHA2 of 3
Most Recent ClaimSep 2017 · Hurricane Irma

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 440 Emerald Cove Loop is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemSOUTHWEST/POLK COUNTY UTILITY
serves 39,209 people · EPA ID FL6530852
Water SourceGroundwater
Last State InspectionJan 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting11
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: Verizon.

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