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4520 Orangewood Loop E, Lakeland, FL 33813 Property Records

Polk County property record for 4520 Orangewood Loop E, Lakeland, FL 33813

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,025 sqft · built 1973
Lot Size0.332 acres (14,475 sqft)
Owner2 Individual Names on Record
Last Sale$415,000 (Aug 2026)
Tax Bill$2,509 (2025)
Deeds & MortgagesAug 2026 Sale & Mortgage
Apr 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN24-29-05-274640-000280

Property Details

APN / Parcel Number

Primary APN24-29-05-274640-000280
Alternative APNs
  • 052924274640000280
  • 52924000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,025 sqft Living Area
Gross Area2,531 sqft
1st Floor Area2,025 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 2012
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area14,475 sqft (0.332 acres)
Lot Dimensions140 ft deep x 103 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area506 sqft

Exterior Amenities

Pool TypeEnclosed Pool
Pool Area512 sqft
PorchUnfinished Open Porch
Porch Area56 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address4520 ORANGEWOOD LOOP E
CityLAKELAND
StateFL
Zip33813-1846
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRA1
Legal DescriptionORANGEWOOD TERRACE UNIT #2 PB 58 PG 14 LOT 28
Legal Range24E
Legal Township29S
Legal Section05
Legal SubdivisionORANGEWOOD TERRACE UNIT 02
Legal Tract274640
Legal Block2
Legal Lot Number28
Legal Unit2
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group2
Census Block2007
Census Tract10603

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address4520 ORANGEWOOD LOOP E, LAKELAND, FL 33813-1846
OccupancyOwner Occupied
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

DateDocument
Aug 27, 2026Warranty Deed, Transfer · VA Mortgage
MORTGAGE CENTER LLC
Apr 10, 2020Deed of Trust, Mortgage · Conventional with PMI
CALIBER HM LOANS
Aug 20, 2018Warranty Deed, Transfer · Conventional with PMI
FREEDOM MTG
Jan 29, 2018Warranty Deed, Transfer
FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 27, 2026 · Amount on Record
Deed SaleAug 27, 2026 · Amount on Record
Prior SaleAug 20, 2018 · Amount on Record
Deed Document Number2026208947
Deed Book / Page14132 / 795
Prior Transfer DateAug 17, 2018
Prior Transfer Doc0000176750
Record UpdatedOct 29, 2026

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 27, 2026
Property Address4520 ORANGEWOOD LOOP E, LAKELAND, FL 33813-1846
Document Number0000208947
Book / Page14132 / 795
Instrument DateAug 20, 2026
Instrument2026208947
Transaction TypeTransfer
Record UpdatedSep 9, 2026
Title CompanyGOLDEN RULE TITLE LLC, GOLDEN RULE TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$293,405.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4520 ORANGEWOOD LOOP E, LAKELAND, FL 33813-1846

Mortgage

Document Number0000208948,
DateAug 27, 2026
Book Page14132/797
Instrument2026208948
Lender
NameMORTGAGE CENTER LLC
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2056
Interest
Max Rate-1%

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address4520 ORANGEWOOD LOOP E, LAKELAND, FL 33813-1846
Document Number0112100333
Instrument DateApr 10, 2020
Transaction TypeMortgage
Record UpdatedMay 14, 2020
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4520 ORANGEWOOD LOOP E LAKELAND FL 338131846, LAKELAND, FL 33813-1846

Mortgage

Document Number0112100333
DateApr 17, 2020
Book Page011210/000333
Instrument81630
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueApr 16, 2050

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 20, 2018
Property Address4520 ORANGEWOOD LOOP E, LAKELAND, FL 33813-1846
Document Number0105851391
Book / Page010585 / 001391
Instrument DateAug 17, 2018
Instrument176752
Transaction TypeTransfer
Record UpdatedSep 11, 2018
Title CompanyINTEGRITY FIRST TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,778.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4520 ORANGEWOOD LOOP E LAKELAND FL 338131846, LAKELAND, FL 33813-1846

Mortgage

Document Number105851393
DateAug 20, 2018
Book Page010585/001393
Instrument176753
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueAug 19, 2048

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJan 29, 2018
Property Address4520 ORANGEWOOD LOOP E, LAKELAND, FL 33813-1846
Document Number0103800430
Book / Page010380 / 000430
Instrument DateJan 22, 2018
Instrument20379
Transaction TypeTransfer
Record UpdatedFeb 15, 2018
Title CompanyFIDELITY NATIONAL TITLE

Transaction

AmountAmount Recorded
Tax$1,218.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5110 MOLL ACRES DR PLANT CITY FL 335668468, PLANT CITY, FL 33566-8468

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityLakeland City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$187,228 (+2.7%)$336,872 (-0.67%) Land $35,000 Building $301,872
2025$2,509.00 (+6.36%) Homeowner's exemption$182,306 (+5.99%)$339,142 (+3.22%) Land $35,000 Building $304,142
2023$2,359.00 (+3.15%) Homeowner's exemption$172,008 (+3%)$328,550 (-4.1%) Land $34,000 Building $294,550
2022$2,287.00 Homeowner's exemption$166,998$342,609 Land $32,000 Building $310,609

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 52 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies52 in force
Nearby Flood Claims3 (2002–2022)
Claims Outside the SFHA1 of 3
Most Recent ClaimSep 2022 · Hurricane Ian

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

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

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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 SystemCITY OF LAKELAND
serves 193,297 people · EPA ID FL6531014
Water SourceGroundwater
Last State InspectionJul 2022
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 360 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

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