4615 Grovecrest Dr, Lakeland, FL 33813 Property Records

Polk County property record for 4615 Grovecrest Dr, Lakeland, FL 33813

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,054 sqft · built 1973
Lot Size	0.269 acres (11,700 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,563 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-29-08-279390-001040`

Property Details

APN / Parcel Number

Primary APN	`24-29-08-279390-001040`
Alternative APNs	`082924279390001040` `82924000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,054 sqft Living Area
Gross Area	2,078 sqft
1st Floor Area	1,574 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	11,700 sqft (0.269 acres)
Lot Dimensions	130 ft deep x 90 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	504 sqft

Exterior Amenities

Pool Area	288 sqft
Pool House	Pool House
Porch	Unfinished Open Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4615 GROVECREST DR
City	LAKELAND
State	FL
Zip	33813-2441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA1
Legal Description	CRESTHAVEN PB 55 PG 27 BLK A LOT 4
Legal Range	24E
Legal Township	29S
Legal Section	08
Legal Subdivision	CRESTHAVEN
Legal Tract	279390
Legal Block	A
Legal Lot Number	4
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2014
Census Tract	10603

Owner

4615 Grovecrest Dr is owned and occupied by two individuals who acquired it in March 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	4615 GROVECREST DR, LAKELAND, FL 33813-2441
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Oct 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Jan 12, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING
Nov 7, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING
Mar 20, 2019	Deed of Trust, Mortgage · Conventional with PMI AMERICAN FINANCING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 20, 2025
Transfer Doc	0000065246
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4615 GROVECREST DR, LAKELAND, FL 33813-2441
Transaction Type	Mortgage
Record Updated	Oct 15, 2021
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4615 GROVECREST DR, LAKELAND, FL 33813-2441

Mortgage

Document Number	0000258897
Date	Oct 4, 2021
Book Page	11922/2195
Instrument	2021258897

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4615 GROVECREST DR, LAKELAND, FL 33813-2441
Document Number	0115591056
Instrument Date	Jan 12, 2021
Transaction Type	Mortgage
Record Updated	Feb 19, 2021
Title Company	FIRST INTEGRITY TITLE, FITCO-FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4615 GROVECREST DR LAKELAND FL 338132441, LAKELAND, FL 33813-2441

Mortgage

Document Number	0115591056
Date	Jan 29, 2021
Book Page	011559/001056
Instrument	24516

Lender

Name	AMERICAN FINANCING
Type	Funding / Finance Company
Address	AURORA, CO 80014

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4615 GROVECREST DR, LAKELAND, FL 33813-2441
Document Number	0110520967
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Dec 16, 2019
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4615 GROVECREST DR LAKELAND FL 338132441, LAKELAND, FL 33813-2441

Mortgage

Document Number	0110520967
Date	Nov 25, 2019
Book Page	011052/000967
Instrument	249877

Lender

Name	AMERICAN FINANCING
Type	Funding / Finance Company
Address	AURORA, CO 80014

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 24, 2049

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4615 GROVECREST DR, LAKELAND, FL 33813-2441
Document Number	0107920188
Instrument Date	Mar 20, 2019
Transaction Type	Mortgage
Record Updated	Apr 10, 2019
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4615 GROVECREST DR LAKELAND FL 338132441, LAKELAND, FL 33813-2441

Mortgage

Document Number	0107920188
Date	Mar 28, 2019
Book Page	010792/000188
Instrument	62549

Lender

Name	AMERICAN FINANCING
Type	Funding / Finance Company
Address	AURORA, CO 80014

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 27, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4615 Grovecrest Dr was $1,563 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$133,357 (+2.7%)	$312,135 (+6.65%) Land $36,000 Building $276,135
2025	$1,563.00 Homeowner's exemption	$129,851	$292,676 Land $36,000 Building $256,676
2023	$1,457.00 (+10.8%) Homeowner's exemption	$122,516 (+7.38%)	$289,802 (+5.71%) Land $35,000 Building $254,802
2022	$1,315.00 Homeowner's exemption	$114,093	$274,152 Land $33,000 Building $241,152

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

Flood

FEMA maps place 4615 Grovecrest Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2002.

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
Flood Insurance Cost	Premium on File median of 52 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	52 in force
Nearby Flood Claims	3 (2002–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 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

Wildfire risk around 4615 Grovecrest Dr 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 99.1% of the US · lower than 98.7% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 316 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 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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