451 Emerald Cove Loop, Lakeland, FL 33813 Property Records

Polk County property record for 451 Emerald Cove Loop, Lakeland, FL 33813

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,211 sqft · built 1996
Lot Size	0.172 acres (7,505 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Jun 2019)
Tax Bill	$3,210 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage Jul 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`23-29-13-140832-000130`

Property Details

APN / Parcel Number

Primary APN	`23-29-13-140832-000130`
Alternative APNs	`132923140832000130` `32923000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,211 sqft Living Area
Gross Area	1,811 sqft
1st Floor Area	1,211 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	7,505 sqft (0.172 acres)
Lot Dimensions	115 ft deep x 65 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	460 sqft
Porch	Florida Room
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	451 EMERALD COVE LOOP
City	LAKELAND
State	FL
Zip	33813-2751
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD COVE PB 97 PG 22 LOT 13
Legal Range	23E
Legal Township	29S
Legal Section	13
Legal Subdivision	EMERALD COVE
Legal Tract	140832
Legal Block	2
Legal Lot Number	13
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2000
Census Tract	11836

Owner

451 Emerald Cove Loop is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	451 EMERALD COVE LOOP, LAKELAND, FL 33813-2751
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2019	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MTG
Jul 21, 2017	Warranty Deed, Subdivision Related Transfer HOME SOLUTION TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2019 · Amount on File
Deed Sale	Jun 19, 2019 · Amount on File
Prior Sale	Jul 21, 2017 · Amount on File
Deed Document Number	2019126832
Deed Book / Page	10879 / 774
Prior Transfer Date	Apr 18, 2016
Prior Transfer Doc	0000068824
Record Updated	Oct 29, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 19, 2019
Property Address	451 EMERALD COVE LOOP, LAKELAND, FL 33813-2751
Document Number	0108790774
Book / Page	010879 / 000774
Instrument Date	Jun 14, 2019
Instrument	126832
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	451 EMERALD COVE LOOP LAKELAND FL 338132751, LAKELAND, FL 33813-2751

Mortgage

Document Number	108790775
Date	Jun 19, 2019
Book Page	010879/000775
Instrument	126833

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2049

July 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 21, 2017
Property Address	451 EMERALD COVE LOOP, LAKELAND, FL 33813-2751
Document Number	0182101615
Book / Page	018210 / 001615
Instrument Date	Jul 24, 2017
Instrument	138967
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 16, 2017
Title Company	HOME SOLUTION TITLE INC

Transaction

Amount	Amount on Record
Tax	$857.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	206 PATTEN HEIGHTS ST LAKELAND FL 338032251, LAKELAND, FL 33803-2251

Tax Assessment & Valuation

The 2025 property tax bill for 451 Emerald Cove Loop was $3,210.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$236,218 (+0.87%) Land $52,000 Building $184,218	$236,218 (-4.2%) Land $52,000 Building $184,218
2025	$3,210.00	$234,178	$246,571 Land $52,000 Building $194,571
2023	$3,452.00 (+7.74%)	$242,220 (+7.37%) Land $50,000 Building $192,220	$242,220 (+7.37%) Land $50,000 Building $192,220
2022	$3,204.00	$225,596 Land $40,000 Building $185,596	$225,596 Land $40,000 Building $185,596

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

Flood

FEMA maps place 451 Emerald Cove Loop 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 12 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	3 (2002–2017)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 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 451 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 Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 System	SOUTHWEST/POLK COUNTY UTILITY serves 39,209 people · EPA ID FL6530852
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	11 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

Provider	Max 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.

Nearby Properties on Emerald Cove Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures