Polk County property record for 461 Windermere Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,138 sqft · built 1990 |
| Lot Size | 0.485 acres (21,127 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Aug 2017) |
| Tax Bill | $2,000 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-27-24-008300-006030 |
| Primary APN | 23-27-24-008300-006030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,138 sqft Living Area |
| Gross Area | 2,667 sqft |
| 1st Floor Area | 2,138 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 21,127 sqft (0.485 acres) |
| Lot Dimensions | 199 ft deep x 106 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 529 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 527 sqft |
| Cooling System | Central |
|---|
| Street Address | 461 WINDERMERE DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-3360 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE GIBSON ESTATES PB 44 PG 25 BLK F LOT 3 |
| Legal Range | 23E |
| Legal Township | 27S |
| Legal Section | 24 |
| Legal Subdivision | LAKE GIBSON ESTATES |
| Legal Tract | 8300 |
| Legal Block | F |
| Legal Lot Number | 3 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 12209 |
461 Windermere Dr is owned and occupied by two individuals who acquired it in October 2021.
Source: Polk County records, as of October 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 461 WINDERMERE DR, LAKELAND, FL 33809-3360 |
| 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 22, 2026 | Deed of Trust, Mortgage · Line of Credit PNC BANK |
| Nov 1, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage STEARNS LENDING LLC |
| Aug 3, 2017 | Warranty Deed, Transfer · Conventional with PMI FRANKLIN AMERICAN MTG |
| Aug 3, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2017 · Amount on File |
| Deed Sale | Aug 3, 2017 · Amount on File |
| Prior Sale | Jul 1, 2017 · Amount on File |
| Deed Document Number | 2017148413 |
| Deed Book / Page | 10223 / 1451 |
| Last Transfer Date | Oct 22, 2021 |
| Transfer Doc | 0000283761 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 22, 2026 |
| Property Address | 461 WINDERMERE DR, LAKELAND, FL 33809-3360 |
| Document Number | 0000228879 |
| Book / Page | 14162 / 1104 |
| Instrument Date | Sep 10, 2026 |
| Instrument | 2026228879 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 461 WINDERMERE DR, LAKELAND, FL 33809-3360 |
| Document Number | 0000228879, |
|---|---|
| Date | Sep 22, 2026 |
| Book Page | 14162/1104 |
| Instrument | 2026228879 |
| Name | PNC BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Sep 25, 2066 |
| Max Rate | -1% |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 1, 2021 |
| Property Address | 461 WINDERMERE DR, LAKELAND, FL 33809-3360 |
| Document Number | 0000283761 |
| Book / Page | 11960 / 2198 |
| Map Reference | MB 44 PG 25 |
| Instrument Date | Oct 22, 2021 |
| Instrument | 2021283761 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | TITLE SOLUTIONS/FL LLC, TITLE SOLUTIONS GROUP OF FL |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 461 WINDERMERE DR, LAKELAND, FL 33809-3360 |
| Document Number | 0119602200 |
|---|---|
| Date | Nov 1, 2021 |
| Instrument | 11960/2200 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 3, 2017 |
| Property Address | 461 WINDERMERE DR, LAKELAND, FL 33809-3360 |
| Document Number | 0102231451 |
| Book / Page | 010223 / 001451 |
| Instrument Date | Jul 28, 2017 |
| Instrument | 148413 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 461 WINDERMERE DR LAKELAND FL 338093360, LAKELAND, FL 33809-3360 |
| Document Number | 102231452 |
|---|---|
| Date | Aug 3, 2017 |
| Book Page | 010223/001452 |
| Instrument | 148414 |
| Name | FRANKLIN AMERICAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | PITTSBURGH, PA 15220 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 2, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 3, 2017 |
| Property Address | 461 WINDERMERE DR, LAKELAND, FL 33809-3360 |
| Document Number | 0102231449 |
| Book / Page | 010223 / 001449 |
| Instrument Date | Jul 27, 2017 |
| Instrument | 148412 |
| Transaction Type | Transfer |
| Record Updated | Mar 29, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 461 WINDERMERE DR LAKELAND FL 338093360, LAKELAND, FL 33809-3360 |
The 2025 property tax bill for 461 Windermere Dr was $2,000 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 | $200,165 (+2.7%) | $305,415 (-7.51%) Land $50,000 Building $255,415 | |
| 2025 | $2,000.00 Homeowner's exemption | $194,903 | $330,205 Land $50,000 Building $280,205 |
| 2023 | $2,366.00 (+3.36%) Homeowner's exemption | $183,893 (+3%) | $331,972 (+14.07%) Land $48,000 Building $283,972 |
| 2022 | $2,289.00 Homeowner's exemption | $178,537 | $291,026 Land $40,000 Building $251,026 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 461 Windermere Dr 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 21 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 12 (2017–2024) |
| Claims Outside the SFHA | 4 of 12 |
| 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 461 Windermere 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 94% of the US · lower than 94% 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: FCC Broadband Data Collection, based on 202 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 |
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