Polk County property record for 481 Interlock St, Lake Alfred, FL 33850
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,859 sqft · built 2018 |
| Lot Size | 0.207 acres (9,004 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $208,300 (Aug 2018) |
| Tax Bill | $2,791 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Aug 2018 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-04-522753-001210 |
| Primary APN | 26-28-04-522753-001210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,859 sqft Living Area |
| Gross Area | 2,300 sqft |
| 1st Floor Area | 1,859 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,004 sqft (0.207 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 172 sqft |
| Street Address | 481 INTERLOCK ST |
|---|---|
| City | LAKE ALFRED |
| State | FL |
| Zip | 33850-3908 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 4 THE LAKES PB 146 PG 1-2 BLOCK 1 LOT 21 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 04 |
| Legal Subdivision | TRACT 4 THE LAKES |
| Legal Tract | 4 |
| Legal Block | 1 |
| Legal Lot Number | 21 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 12900 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 481 INTERLOCK ST, LAKE ALFRED, FL 33850-3908 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 9, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Aug 31, 2018 | Grant Deed, Subdivision Related Transfer · FHA Mortgage CALIBER HM LOANS |
| Apr 9, 2018 | Warranty Deed, Transfer INNOVATIVE TITLE COMPANY LLC |
| Apr 9, 2018 | Loan Modification, Mortgage · Line of Credit REGIONS BK/FAYETTE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2018 · Amount on Record |
| Deed Sale | Aug 31, 2018 · Amount on Record |
| Prior Sale | Apr 9, 2018 · Amount on Record |
| Deed Document Number | 2018186957 |
| Deed Book / Page | 10600 / 650 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 481 INTERLOCK ST, LAKE ALFRED, FL 33850-3908 |
| Document Number | 0114211581 |
| Instrument Date | Oct 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 481 INTERLOCK ST LAKE ALFRED FL 338503908, LAKE ALFRED, FL 33850-3908 |
| Document Number | 0114211581 |
|---|---|
| Date | Oct 20, 2020 |
| Book Page | 011421/001581 |
| Instrument | 222311 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Oct 19, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 31, 2018 |
| Property Address | 481 INTERLOCK ST, LAKE ALFRED, FL 33850-3908 |
| Document Number | 0106000650 |
| Book / Page | 010600 / 000650 |
| Instrument Date | Aug 29, 2018 |
| Instrument | 186957 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 17, 2018 |
| Title Company | INNOVATIVE TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,458.10 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 481 INTERLOCK ST LAKE ALFRED FL 338503908, LAKE ALFRED, FL 33850-3908 |
| Document Number | 106000651 |
|---|---|
| Date | Aug 31, 2018 |
| Book Page | 010600/000651 |
| Instrument | 186958 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 30, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 9, 2018 |
| Property Address | 481 INTERLOCK ST, LAKE ALFRED, FL 33850-3908 |
| Document Number | 0104480724 |
| Book / Page | 010448 / 000724 |
| Instrument Date | Apr 5, 2018 |
| Instrument | 74971 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2018 |
| Title Company | INNOVATIVE TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $203.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 9, 2018 |
| Property Address | 481 INTERLOCK ST, LAKE ALFRED, FL 33850-3908 |
| Document Number | 0104480726 |
| Book / Page | 010448 / 000726 |
| Instrument Date | Apr 5, 2018 |
| Instrument | 74972 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2018 |
| Title Company | INNOVATIVE TITLE COMPANY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058 |
| Document Number | 104480726 |
|---|---|
| Date | Apr 9, 2018 |
| Book Page | 010448/000726 |
| Instrument | 74972 |
| Name | REGIONS BK/FAYETTE |
|---|---|
| Type | Bank |
| Address | 100 N TAMPA ST # 3400, TAMPA, FL 33602-5145 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Lake Alfred City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $194,230 (+2.7%) | $242,336 (-1.4%) Land $36,000 Building $206,336 | |
| 2025 | $2,791.00 (+5.68%) Homeowner's exemption | $189,124 (+5.99%) | $245,778 (-3.34%) Land $36,000 Building $209,778 |
| 2023 | $2,641.00 (+2.29%) Homeowner's exemption | $178,441 (+3%) | $254,282 (+1.58%) Land $36,000 Building $218,282 |
| 2022 | $2,582.00 Homeowner's exemption | $173,244 | $250,324 Land $30,000 Building $220,324 |
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 11 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 11 in force |
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 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 | CITY OF LAKE ALFRED serves 5,584 people · EPA ID FL6530321 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 259 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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