Polk County property record for 475 Emerald Cove Loop, Lakeland, FL 33813
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,351 sqft · built 1996 |
| Lot Size | 0.282 acres (12,284 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $110,900 (Jul 2002) |
| Tax Bill | $754 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-29-13-140832-000190 |
| Primary APN | 23-29-13-140832-000190 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,351 sqft Living Area |
| Gross Area | 1,671 sqft |
| 1st Floor Area | 1,211 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 12,284 sqft (0.282 acres) |
| Lot Dimensions | 163 ft deep x 81 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 360 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 475 EMERALD COVE LOOP |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33813-2751 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EMERALD COVE PB 97 PG 22 LOT 19 |
| Legal Range | 23E |
| Legal Township | 29S |
| Legal Section | 13 |
| Legal Subdivision | EMERALD COVE |
| Legal Tract | 140832 |
| Legal Block | 2 |
| Legal Lot Number | 19 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 11836 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 475 EMERALD COVE LOOP, LAKELAND, FL 33813-2751 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 29, 2002 · Amount on Record |
| Deed Sale | Jul 29, 2002 · Amount on Record |
| Prior Sale | Jul 23, 1996 · Amount on Record |
| Deed Book / Page | 5070 / 1985 |
| Record Updated | Oct 29, 2026 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $99,417 (+2.7%) | $251,414 (-4.7%) Land $52,000 Building $199,414 | |
| 2025 | $754.00 (-39.73%) Homeowner's exemption | $96,803 (+5.99%) | $263,821 (+2%) Land $52,000 Building $211,821 |
| 2023 | $1,251.00 (+6.38%) Homeowner's exemption | $91,335 (+3%) | $258,643 (+9.37%) Land $50,000 Building $208,643 |
| 2022 | $1,176.00 Homeowner's exemption | $88,675 | $236,477 Land $40,000 Building $196,477 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 3 (2002–2017) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTHWEST/POLK COUNTY UTILITY serves 39,209 people · EPA ID FL6530852 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 11 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.
Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025
| Provider | Max 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.
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