4628 Lathloa Loop, Lakeland, FL 33811 Property Records

Polk County property record for 4628 Lathloa Loop, Lakeland, FL 33811 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,843 sqft · built 2008
Lot Size	0.145 acres (6,334 sqft)
Owner	2 Company Names on File
Last Sale	$274,000 (Dec 2020)
Tax Bill	$3,559 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`23-29-08-139620-000240`

Property Details

APN / Parcel Number

Primary APN	`23-29-08-139620-000240`
Alternative APNs	`082923139620000240` `82923000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,843 sqft Living Area
Gross Area	2,452 sqft
1st Floor Area	1,843 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	6,334 sqft (0.145 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Florida Room
Porch Area	198 sqft

Location & Zoning

Street Address	4628 LATHLOA LOOP
City	LAKELAND
State	FL
Zip	33811-1734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORGAN CREEK PRESERVE PHASE ONE PB 134 PGS 50-51 LOT 24
Legal Range	23E
Legal Township	29S
Legal Section	08
Legal Subdivision	MORGAN CREEK PRESERVE PHASE ONE
Legal Phase	1
Legal Tract	139620
Legal Block	1
Legal Lot Number	24
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1024
Census Tract	11911

Owner

Source: Polk County records · APN 23-29-08-139620-000240

Assessment roll updated June 23, 2026 · Last verified July 2026

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

Owner of Record	2 Company Names on File
Mailing Address	4628 LATHLOA LOOP, LAKELAND, FL 33811-1734
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Warranty Deed, Transfer · VA Mortgage NEIGHBORHOOD LOANS
Sep 04, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Dec 02, 2020	Warranty Deed, Transfer · Conventional Mortgage TRUIST BK
Sep 25, 2020	Deed of Trust, Construction Loan · Line of Credit MIDFLORIDA CU
Nov 15, 2017	Warranty Deed, Transfer · VA Mortgage HOME SOLUTION LENDERS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 02, 2020 · Amount on Record
Deed Sale	Dec 02, 2020 · Amount on Record
Prior Sale	Nov 15, 2017 · Amount on Record
Deed Document Number	2020256778
Deed Book / Page	11474 / 267
Last Transfer Date	Aug 21, 2025
Transfer Doc	0000206901
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 23, 2026
Property Address	4628 LATHLOA LOOP, LAKELAND, FL 33811-1734
Document Number	0000176576
Book / Page	14087 / 1186
Instrument Date	Jul 14, 2026
Instrument	2026176576
Transaction Type	Transfer
Record Updated	Aug 04, 2026
Title Company	GOLDEN RULE TITLE LLC, GOLDEN RULE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$272,195.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4628 LATHLOA LOOP, LAKELAND, FL 33811-1734

Mortgage

Document Number	0000176577,
Date	Jul 23, 2026
Instrument	2026176577

Lender

Name	NEIGHBORHOOD LOANS

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate	6.52%
Max Rate	-1%

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Sep 04, 2025
Property Address	4628 LATHLOA LOOP, LAKELAND, FL 33811-1734
Document Number	0000206901
Book / Page	13685 / 1141
Map Reference	MB 134 PG 50&51
Instrument Date	Aug 21, 2025
Instrument	2025206901
Transaction Type	Transfer
Record Updated	Sep 24, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4628 LATHLOA LOOP, LAKELAND, FL 33811-1734

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4628 LATHLOA LOOP, LAKELAND, FL 33811-1734

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 02, 2020
Property Address	4628 LATHLOA LOOP, LAKELAND, FL 33811-1734
Document Number	0114740267
Book / Page	011474 / 000267
Instrument Date	Nov 24, 2020
Instrument	256778
Transaction Type	Transfer
Record Updated	Dec 17, 2020
Title Company	EASY TITLE COMPANY LLC, EASY TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,918.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4628 LATHLOA LOOP LAKELAND FL 338111734, LAKELAND, FL 33811-1734

Mortgage

Document Number	114740269
Date	Dec 02, 2020
Book Page	011474/000269
Instrument	256779

Lender

Name	TRUIST BK
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2050

September 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Sep 25, 2020
Property Address	4628 LATHLOA LOOP, LAKELAND, FL 33811-1734
Document Number	0113891143
Book / Page	011389 / 001143
Instrument Date	Sep 11, 2020
Instrument	201134
Transaction Type	Construction Loan
Record Updated	Oct 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4628 LATHLOA LOOP LAKELAND FL 338111734, LAKELAND, FL 33811-1734

Mortgage

Document Number	113891143
Date	Sep 25, 2020
Book Page	011389/001143
Instrument	201134

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 24, 2021

Interest

Rate Type	Adjustable Rate

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 15, 2017
Property Address	4628 LATHLOA LOOP, LAKELAND, FL 33811-1734
Document Number	0103151607
Book / Page	010315 / 001607
Instrument Date	Nov 13, 2017
Instrument	219649
Transaction Type	Transfer
Record Updated	Jan 03, 2018
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,665.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4628 LATHLOA LOOP LAKELAND FL 338111734, LAKELAND, FL 33811-1734

Mortgage

Document Number	103151609
Date	Nov 15, 2017
Book Page	010315/001609
Instrument	219650

Lender

Name	HOME SOLUTION LENDERS
Type	Funding / Finance Company
Address	BARTOW, FL 33830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2047

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,559.00 (+3.22%) Homeowner's exemption	$240,480 (+2.9%)	$314,508 (-2.01%) Land $68,000 Building $246,508
2024	$3,448.00 (+2.65%) Homeowner's exemption	$233,703 (+3%)	$320,975 (-1.13%) Land $68,000 Building $252,975
2023	$3,359.00 (+2.85%) Homeowner's exemption	$226,896 (+3%)	$324,649 (+20.15%) Land $66,000 Building $258,649
2022	$3,266.00 Homeowner's exemption	$220,287	$270,193 Land $62,000 Building $208,193

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050119111, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 63 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	63 in force
Nearby Flood Claims	9 (2002–2024)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Oct 2024, river or lake flooding, Hurricane Milton
Claims By Storm	Hurricane Milton, Oct 2024 · 3 claims Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 2 claims

Wildfire

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	About 1 in 302 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 117 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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