Polk County property record for 449 N Fork Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,534 sqft · built 1987 |
| Lot Size | 0.189 acres (8,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (May 2016) |
| Tax Bill | $2,193 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Mar 2024 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-19-161345-000220 |
| Primary APN | 24-27-19-161345-000220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,534 sqft Living Area |
| Gross Area | 2,017 sqft |
| 1st Floor Area | 1,270 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,250 sqft (0.189 acres) |
| Lot Dimensions | 110 ft deep x 75 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Porch | Florida Room |
| Porch Area | 280 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 449 N FORK DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-1426 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA3 |
| Legal Description | NORTH FORK SUB PB 79 PG 19 LOT 22 |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 19 |
| Legal Subdivision | NORTH FORK SUBDIVISION |
| Legal Tract | 161345 |
| Legal Block | 1 |
| Legal Lot Number | 22 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 12208 |
449 N Fork Dr is owned and occupied by an individual who bought it in May 2016.
Source: Polk County records, as of September 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 449 N FORK DR, LAKELAND, FL 33809-1426 |
| 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.
| Date | Document |
|---|---|
| Sep 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 7, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 20, 2016 · Amount on File |
| Deed Sale | May 20, 2016 · Amount on File |
| Prior Sale | Oct 16, 2013 · Amount on File |
| Deed Document Number | 201690636 |
| Deed Book / Page | 9827 / 1550 |
| Prior Transfer Date | Feb 9, 2005 |
| Prior Transfer Doc | 0000031124 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 18, 2026 |
| Property Address | 449 N FORK DR, LAKELAND, FL 33809-1426 |
| Document Number | 0000226775 |
| Book / Page | 14159 / 261 |
| Instrument Date | Sep 10, 2026 |
| Instrument | 2026226775 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 449 N FORK DR, LAKELAND, FL 33809-1426 |
| Document Number | 0000226775, |
|---|---|
| Date | Sep 18, 2026 |
| Book Page | 14159/261 |
| Instrument | 2026226775 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 449 N FORK DR, LAKELAND, FL 33809-1426 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 449 N FORK DR, LAKELAND, FL 33809-1426 |
| Document Number | 0000053293 |
|---|---|
| Date | Mar 7, 2024 |
| Book Page | 13031/1371 |
| Instrument | 2024053293 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 449 N FORK DR, LAKELAND, FL 33809-1426 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 449 N FORK DR, LAKELAND, FL 33809-1426 |
| Document Number | 0000001665 |
|---|---|
| Date | Jan 4, 2022 |
| Book Page | 12056/1647 |
| Instrument | 2022001665 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
The 2025 property tax bill for 449 N Fork Dr was $2,193 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Lakeland City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $172,585 (+2.7%) | $290,154 (+11.66%) Land $39,000 Building $251,154 | |
| 2025 | $2,193.00 Homeowner's exemption | $168,048 | $259,861 Land $39,000 Building $220,861 |
| 2023 | $1,662.00 (+3.49%) Homeowner's exemption | $136,128 (+3%) | $237,157 (+9.4%) Land $38,000 Building $199,157 |
| 2022 | $1,606.00 Homeowner's exemption | $132,163 | $216,776 Land $32,000 Building $184,776 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 449 N Fork Dr in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| 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.
Wildfire risk around 449 N Fork Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 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 465 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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