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4684 Lathloa Loop, Lakeland, FL 33811 Property Records

Polk County property record for 4684 Lathloa Loop, Lakeland, FL 33811

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,620 sqft · built 2016
Lot Size0.128 acres (5,576 sqft)
OwnerIndividual Name on File
Last Sale$275,000 (Aug 2020)
Deeds & MortgagesOct 2025 Line of Credit
Aug 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN23-29-08-139620-000140

Property Details

APN / Parcel Number

Primary APN23-29-08-139620-000140
Alternative APNs
  • 082923139620000140
  • 82923000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,620 sqft Living Area
Gross Area3,020 sqft
1st Floor Area1,140 sqft
Upper Floors Area1,480 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeHip
Roof MaterialOther
Lot Area5,576 sqft (0.128 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area400 sqft
PorchFinished/Open Porch
Porch Area60 sqft

Location & Zoning

Street Address4684 LATHLOA LOOP
CityLAKELAND
StateFL
Zip33811-1734
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMORGAN CREEK PRESERVE PHASE ONE PB 134 PGS 50-51 LOT 14
Legal Range23E
Legal Township29S
Legal Section08
Legal SubdivisionMORGAN CREEK PRESERVE PHASE ONE
Legal Phase1
Legal Tract139620
Legal Block1
Legal Lot Number14
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group1
Census Block1024
Census Tract11911

Owner

Source: Polk County records · APN 23-29-08-139620-000140

Assessment roll updated August 25, 2025 · Last verified June 2026

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

Owner of RecordIndividual Name on File
Mailing Address4684 LATHLOA LOOP, LAKELAND, FL 33811-1734
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 06, 2025Deed of Trust, Mortgage · Line of Credit
REGIONS BANK
Aug 31, 2020Warranty Deed, Transfer · VA Mortgage
VETERANS UNITED HM LNS
Jun 13, 2017Grant Deed, Subdivision Related Transfer · Conventional with PMI
RP FNDG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 31, 2020 · Amount on Record
Deed SaleAug 31, 2020 · Amount on Record
Prior SaleJun 13, 2017 · Amount on Record
Deed Document Number2020179039
Deed Book / Page11356 / 811
Record UpdatedSep 20, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address4684 LATHLOA LOOP, LAKELAND, FL 33811-1734
Transaction TypeMortgage
Record UpdatedOct 28, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address4684 LATHLOA LOOP, LAKELAND, FL 33811-1734

Mortgage

Document Number0000233480
DateOct 06, 2025
Book Page13723/2171
Instrument2025233480
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35244
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueOct 05, 2055
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 31, 2020
Property Address4684 LATHLOA LOOP, LAKELAND, FL 33811-1734
Document Number0113560811
Book / Page011356 / 000811
Instrument DateAug 27, 2020
Instrument179039
Transaction TypeTransfer
Record UpdatedSep 16, 2020
Title CompanyCAPSTONE TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,925.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4684 LATHLOA LOOP LAKELAND FL 338111734, LAKELAND, FL 33811-1734

Mortgage

Document Number113560813
DateAug 31, 2020
Book Page011356/000813
Instrument179040
Lender
NameVETERANS UNITED HM LNS
TypeFunding / Finance Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 30, 2050

June 2017: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateJun 13, 2017
Property Address4684 LATHLOA LOOP, LAKELAND, FL 33811-1734
Document Number0101731534
Book / Page010173 / 001534
Instrument DateJun 08, 2017
Instrument111662
Transaction TypeSubdivision Related Transfer
Record UpdatedJun 27, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,806.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4684 LATBLOA LOOP LAKELAND FL 33811, LAKELAND, FL 33811

Mortgage

Document Number101731536
DateJun 13, 2017
Book Page010173/001536
Instrument111663
Lender
NameRP FNDG
TypeFunding / Finance Company
AddressMAITLAND, FL 32751
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJun 12, 2047

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated August 25, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityLakeland City
Unified School DistrictPolk 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.

YearTax BillAssessed ValueAssessed Market Value
2025Homeowner's exemption Veteran's exemption$263,829 (+5.99%)$336,769 (-2.61%) Land $68,000 Building $268,769
2023Homeowner's exemption$248,926$345,797 Land $66,000 Building $279,797

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 63 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies63 in force
Nearby Flood Claims9 (2002–2024)
Claims Outside the SFHA1 of 9
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 3 claims
  • Hurricane Irma, Sep 2017 · 2 claims
  • Hurricane Frances, Sep 2004 · 2 claims

Wildfire

Wildfire RiskModerate
above 67% of the US · above 45% of Florida
Wildfire Likelihood0.3% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000

Based on FCC filings for 117 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCITY OF LAKELAND
serves 193,297 people
Water SourceGroundwater
Last State InspectionJul 2022
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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