1. Home
  2. Florida
  3. Polk County
  4. Lakeland
  5. Emerald Cove Loop

464 Emerald Cove Loop, Lakeland, FL 33813 Property Records

Polk County property record for 464 Emerald Cove Loop, Lakeland, FL 33813

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,292 sqft · built 1995
Lot Size0.172 acres (7,505 sqft)
Owner2 Individual Names on File
Last Sale$235,000 (Apr 2021)
Tax Bill$2,891 (2025)
Deeds & MortgagesApr 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN23-29-13-140832-000220

Property Details

APN / Parcel Number

Primary APN23-29-13-140832-000220
Alternative APNs
  • 132923140832000220
  • 32923000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,292 sqft Living Area
Gross Area1,752 sqft
1st Floor Area1,292 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 1995
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area7,505 sqft (0.172 acres)
Lot Dimensions115 ft deep x 65 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area460 sqft
PorchScreened/Unfinished Porch
Porch Area168 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address464 EMERALD COVE LOOP
CityLAKELAND
StateFL
Zip33813-2750
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionEMERALD COVE PB 97 PG 22 LOT 22
Legal Range23E
Legal Township29S
Legal Section13
Legal SubdivisionEMERALD COVE
Legal Tract140832
Legal Block2
Legal Lot Number22
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group2
Census Block2005
Census Tract11836

Owner

464 Emerald Cove Loop is owned and occupied by two individuals who bought it in April 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address464 EMERALD COVE LOOP, LAKELAND, FL 33813-2750
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 20, 2021 · Amount on File
Deed SaleApr 20, 2021 · Amount on File
Prior SaleApr 19, 2021 · Amount on File
Deed Document Number202199684
Deed Book / Page11675 / 1660
Record UpdatedOct 29, 2026

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateApr 20, 2021
Property Address464 EMERALD COVE LOOP, LAKELAND, FL 33813-2750
Document Number0000099684
Book / Page11675 / 1660
Map ReferenceMB 97 PG 22
Instrument DateApr 13, 2021
Instrument2021099684
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyHOME SOLUTION TITLE INC, HOME SOLUTION TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,645.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4033 WINCLCHIME LANE, 4033, LAKELAND, FL 33811

Transferred To (Grantee/Buyer)

NameVerified Name
Address464 EMERALD COVE LOOP, LAKELAND, FL 33813-2750

Mortgage

Document Number0116751662
DateApr 20, 2021
Instrument11675/1662
Lender
NamePARAMOUNT RESIDENTIAL MORTGAGE GROU
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 464 Emerald Cove Loop was $2,891 with a homeowner's exemption, down 20.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$249,565 (-2.48%) Land $52,000 Building $197,565$249,565 (-2.48%) Land $52,000 Building $197,565
2025$2,891.00 (-20.73%) Homeowner's exemption$255,908 Land $52,000 Building $203,908$255,908 Land $52,000 Building $203,908
2024$3,647.00 (-8.37%)
2023$3,980.00 (+6.02%)$251,628 (+6.76%) Land $50,000 Building $201,628$251,628 (+6.76%) Land $50,000 Building $201,628
2022$3,754.00$235,703 Land $40,000 Building $195,703$235,703 Land $40,000 Building $195,703

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

Flood

FEMA maps place 464 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 12 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies12 in force
Nearby Flood Claims3 (2002–2017)
Claims Outside the SFHA2 of 3
Most Recent ClaimSep 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 464 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 RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSOUTHWEST/POLK COUNTY UTILITY
serves 39,209 people · EPA ID FL6530852
Water SourceGroundwater
Last State InspectionJan 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting11
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

ProviderMax 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