Polk County property record for 481 Windermere Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,222 sqft · built 1990 |
| Lot Size | 0.431 acres (18,766 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $330,000 (Aug 2020) |
| Tax Bill | $3,097 (2025) |
| Deeds & Mortgages | Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-27-24-008300-006020 |
| Primary APN | 23-27-24-008300-006020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,222 sqft Living Area |
| Gross Area | 3,022 sqft |
| 1st Floor Area | 2,222 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 18,766 sqft (0.431 acres) |
| Lot Dimensions | 177 ft deep x 106 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 800 sqft |
| Pool Type | Enclosed Pool |
| Porch | Finished/Open Porch |
| Porch Area | 394 sqft |
| Cooling System | Central |
|---|
| Street Address | 481 WINDERMERE DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-3360 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LAKE GIBSON ESTATES PB 44 PG 25 BLK F LOT 2 |
| Legal Range | 23E |
| Legal Township | 27S |
| Legal Section | 24 |
| Legal Subdivision | LAKE GIBSON ESTATES |
| Legal Tract | 8300 |
| Legal Block | F |
| Legal Lot Number | 2 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 12209 |
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 WINDERMERE DR, LAKELAND, FL 33809-3360 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2020 · Amount on Record |
| Deed Sale | Aug 7, 2020 · Amount on Record |
| Prior Sale | Mar 12, 2010 · Amount on Record |
| Deed Document Number | 2020160124 |
| Deed Book / Page | 11327 / 1522 |
| Transfer Doc | 4750001695 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 7, 2020 |
| Property Address | 481 WINDERMERE DR, LAKELAND, FL 33809-3360 |
| Document Number | 0113271522 |
| Book / Page | 011327 / 001522 |
| Instrument Date | Jul 7, 2020 |
| Instrument | 160124 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2020 |
| Title Company | FIRST AMERICAN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,310.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 481 WINDERMERE DR LAKELAND FL 338093360, LAKELAND, FL 33809-3360 |
| Document Number | 113271523 |
|---|---|
| Date | Aug 7, 2020 |
| Book Page | 011327/001523 |
| Instrument | 160125 |
| Name | PRIMARY RESID'L MTG |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84116 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 6, 2050 |
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 | $287,338 (+2.7%) | $376,665 (-7.63%) Land $50,000 Building $326,665 | |
| 2025 | $3,097.00 (-9.34%) Homeowner's exemption | $279,784 (+5.99%) | $407,789 (-1.57%) Land $50,000 Building $357,789 |
| 2023 | $3,416.00 (+2.83%) Homeowner's exemption | $263,980 (+3%) | $414,300 (+12.49%) Land $48,000 Building $366,300 |
| 2022 | $3,322.00 Homeowner's exemption | $256,291 | $368,310 Land $40,000 Building $328,310 |
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 12 (2017–2024) |
| Claims Outside the SFHA | 4 of 12 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 | 0.02% 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: FCC Broadband Data Collection, based on 202 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 |
| Verizon Fixed Wireless | 300 / 20 |
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