4672 Lathloa Loop, Lakeland, FL 33811 Property Records

Polk County property record for 4672 Lathloa Loop, Lakeland, FL 33811

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,932 sqft · built 2009
Lot Size	0.138 acres (6,029 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Nov 2018)
Tax Bill	$3,364 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Nov 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-29-08-139620-000170`

Property Details

APN / Parcel Number

Primary APN	`23-29-08-139620-000170`
Alternative APNs	`082923139620000170` `82923000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,932 sqft Living Area
Gross Area	2,651 sqft
1st Floor Area	1,932 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,029 sqft (0.138 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Florida Room
Porch Area	308 sqft

Location & Zoning

Street Address	4672 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 17
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	17
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1024
Census Tract	11911

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 Record	Individual Name on Record
Mailing Address	4672 LATHLOA LOOP, LAKELAND, FL 33811-1734
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Nov 20, 2018	Warranty Deed, Transfer · FHA Mortgage HOME PT FIN'L
Jun 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU
May 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage CHAMPIONS MTG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2018 · Amount on Record
Deed Sale	Nov 20, 2018 · Amount on Record
Prior Sale	Dec 3, 2008 · Amount on Record
Deed Document Number	2018242211
Deed Book / Page	10675 / 378
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4672 LATHLOA LOOP, LAKELAND, FL 33811-1734
Document Number	0114760390
Instrument Date	Oct 13, 2020
Transaction Type	Mortgage
Record Updated	Dec 22, 2020
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4672 LATHLOA LOOP LAKELAND FL 338111734, LAKELAND, FL 33811-1734

Mortgage

Document Number	0114760390
Date	Dec 3, 2020
Book Page	011476/000390
Instrument	257927

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Dec 2, 2048

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 20, 2018
Property Address	4672 LATHLOA LOOP, LAKELAND, FL 33811-1734
Document Number	0106750378
Book / Page	010675 / 000378
Instrument Date	Nov 15, 2018
Instrument	242211
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4672 LATHLOA LOOP LAKELAND FL 338111734, LAKELAND, FL 33811-1734

Mortgage

Document Number	106750380
Date	Nov 20, 2018
Book Page	010675/000380
Instrument	242212

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2048

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4672 LATHLOA LOOP, LAKELAND, FL 33811-1734
Document Number	0105172131
Instrument Date	Jun 4, 2018
Transaction Type	Mortgage
Record Updated	Jul 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4672 LATHLOA LOOP LAKELAND FL 338111734, LAKELAND, FL 33811-1734

Mortgage

Document Number	0105172131
Date	Jun 14, 2018
Book Page	010517/002131
Instrument	127767

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 13, 2023

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4672 LATHLOA LOOP, LAKELAND, FL 33811-1734
Document Number	0101662157
Book / Page	010166 / 002157
Instrument Date	May 25, 2017
Transaction Type	Mortgage
Record Updated	Jun 27, 2017
Title Company	TALON TITLE SERVICES LLC, TALON TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4672 LATHLOA LOOP LAKELAND FL 338111734, LAKELAND, FL 33811-1734

Mortgage

Document Number	0101662157
Date	Jun 6, 2017
Book Page	010166/002157
Instrument	107006

Lender

Name	CHAMPIONS MTG LLC
Address	MELBOURNE, FL 32940

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2047

Tax Assessment & Valuation

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		$235,868 (+2.7%)	$290,598 (-5.42%) Land $68,000 Building $222,598
2025	$3,364.00 (+5.99%) Homeowner's exemption	$229,667 (+5.99%)	$307,265 (-3%) Land $68,000 Building $239,265
2023	$3,174.00 (+2.92%) Homeowner's exemption	$216,693 (+3%)	$316,773 (+20.45%) Land $66,000 Building $250,773
2022	$3,084.00 Homeowner's exemption	$210,382	$263,002 Land $62,000 Building $201,002

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

Flood

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 Record median of 63 policies
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 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 claims Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 2 claims

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 Risk	Moderate above 67% of the US · above 45% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 117 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

Cell Coverage

5G (outdoors only) and 4G LTE

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