4830 Rustic Ct W, Lakeland, FL 33810 Property Records

Polk County property record for 4830 Rustic Ct W, Lakeland, FL 33810

Property Summary

Property Type	Mobile Home
Details	1,485 sqft · built 1999
Lot Size	0.248 acres (10,785 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Jan 2023)
Tax Bill	$1,675 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-27-28-011014-000450`

Property Details

APN / Parcel Number

Primary APN	`23-27-28-011014-000450`
Alternative APNs	`282723011014000450` `82723000`

Interior

Building Area	1,485 sqft Living Area
1st Floor Area	1,485 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2015
Architectural Style	Mobile Home
Lot Area	10,785 sqft (0.248 acres)
Lot Dimensions	130 ft deep x 84 ft wide
Garage Type	Carport
Carport	Carport
Pool House	Pool House
Patio Area	160 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	4830 RUSTIC CT W
City	LAKELAND
State	FL
Zip	33810-2571
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LEISURE ESTATES PB 76 PG 17 LOT 45
Legal Range	23E
Legal Township	27S
Legal Section	28
Legal Subdivision	LEISURE ESTATES
Legal Tract	11014
Legal Block	2
Legal Lot Number	45
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2000
Census Tract	12124

Owner

4830 Rustic Ct W, a mobile home, is owned and occupied by two individuals who bought it in January 2023.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4830 RUSTIC CT W, LAKELAND, FL 33810-2571
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2023 · Amount on File
Deed Sale	Jan 13, 2023 · Amount on File
Prior Sale	Oct 12, 2004 · Amount on File
Deed Document Number	202310641
Deed Book / Page	12551 / 635
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 13, 2023
Property Address	4830 RUSTIC CT W, LAKELAND, FL 33810-2571
Document Number	0000010641
Book / Page	12551 / 635
Map Reference	MB 76 PG 17
Instrument Date	Jan 12, 2023
Instrument	2023010641
Transaction Type	Transfer
Record Updated	Jan 30, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1909 GATOR CREEK RANCH RD, LAKELAND, FL 33809-0938

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4830 RUSTIC CT W, LAKELAND, FL 33810-2571

Mortgage

Document Number	0000010642
Date	Jan 13, 2023
Book Page	12551/637
Instrument	2023010642

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 4830 Rustic Ct W was $1,675 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$174,412 (+2.7%)	$175,611 (+3.41%) Land $28,040 Building $147,571
2025	$1,675.00	$169,827 Land $28,040 Building $141,787	$169,827 Land $28,040 Building $141,787
2023	$2,019.00 (+21.55%)	$165,547 (+47%) Land $26,962 Building $138,585	$165,547 (+47%) Land $26,962 Building $138,585
2022	$1,661.00	$112,615 Land $22,648 Building $89,967	$112,615 Land $22,648 Building $89,967

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

Flood

FEMA maps place 4830 Rustic Ct W in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.

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 File median of 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Irma, Sep 2017 · 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

Wildfire risk around 4830 Rustic Ct W is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 141 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
AT&T Fixed Wireless	100 / 20