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486 Lindsey Dr, Lakeland, FL 33809 Property Records

Polk County property record for 486 Lindsey Dr, Lakeland, FL 33809

Property Summary

Property TypeMobile Home
Details2,108 sqft · built 2004
Lot Size0.498 acres (21,675 sqft)
Owner2 Individual Names on Record
Last Sale$309,000 (Jul 2026)
Tax Bill$3,426 (2025)
Deeds & MortgagesJul 2026 Sale & Mortgage
Dec 2025 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN23-27-12-000891-004460

Property Details

APN / Parcel Number

Primary APN23-27-12-000891-004460
Alternative APNs
  • 122723000891004460
  • 22723000

Interior

Building Area2,108 sqft Living Area
1st Floor Area2,108 sqft

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Architectural StyleMobile Home
Lot Area21,675 sqft (0.498 acres)
Lot Dimensions113 ft deep x 103 ft wide
Garage TypeCarport
CarportCarport
Shed1 Shed
GazeboGazebo

Location & Zoning

Street Address486 LINDSEY DR
CityLAKELAND
StateFL
Zip33809-7232
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Legal DescriptionWILDER TRACE PHASE ONE PB 109 PGS 32 & 33 BLK D LOTS 46 & 47
Legal Range23E
Legal Township27S
Legal Section12
Legal SubdivisionWILDER TRACE PHASE 01
Legal Phase1
Legal Tract891
Legal BlockD
Legal Lot Number46,47
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group2
Census Block2002
Census Tract12203

Owner

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 Record2 Individual Names on Record
Mailing Address486 LINDSEY DR, LAKELAND, FL 33809-7232
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 30, 2026Warranty Deed, Transfer · FHA Mortgage
MORTGAGE MORTGAGE
Dec 2, 2025Deed of Trust, Mortgage · Balloon Mortgage
GROUNDZERO REAL ESTATE SOLUTIONS
Apr 22, 2024Deed of Trust, Mortgage · FHA Mortgage
SERVICEMAC LLC
Aug 12, 2021Warranty Deed, Transfer · FHA Mortgage
MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 30, 2026 · Amount on Record
Deed SaleJul 30, 2026 · Amount on Record
Prior SaleAug 12, 2021 · Amount on Record
Deed Document Number2026182904
Deed Book / Page14096 / 400
Record UpdatedOct 29, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJul 30, 2026
Property Address486 LINDSEY DR, LAKELAND, FL 33809-7232
Document Number0000182904
Book / Page14096 / 400
Instrument DateJul 7, 2026
Instrument2026182904
Transaction TypeTransfer
Record UpdatedAug 13, 2026
Title CompanyADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SERVICES

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$218,463.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address486 LINDSEY DR, LAKELAND, FL 33809-7232

Mortgage

Document Number0000182905,
DateJul 30, 2026
Book Page14096/402
Instrument2026182905
Lender
NameMORTGAGE MORTGAGE
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate6.47%
Max Rate-1%

Mortgage

Document Number0000182906,
DateJul 30, 2026
Book Page14096/427
Instrument2026182906
Lender
NameHOUSING FINANCE CORPORATION FLORIDA
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate6.47%
Max Rate-1%

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address486 LINDSEY DR, LAKELAND, FL 33809-7232
Transaction TypeMortgage
Record UpdatedDec 17, 2025
Title CompanyADVANCE TITLE, ADVANTAGE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000282750
DateDec 2, 2025
Book Page13796/160
Instrument2025282750
Lender
NameGROUNDZERO REAL ESTATE SOLUTIONS
TypeNon-Lending Institution
AddressNAPLES, FL 34104
Agreement
TypeBalloon Mortgage
AmountAmount Recorded
Interest
Rate15%

April 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address486 LINDSEY DR, LAKELAND, FL 33809-7232
Transaction TypeMortgage
Record UpdatedMay 15, 2024
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address486 LINDSEY DR, LAKELAND, FL 33809-7232

Mortgage

Document Number0000091674
DateApr 22, 2024
Book Page13086/874
Instrument2024091674
Lender
NameSERVICEMAC LLC
TypeMortgage Company
AddressFORT MILL, SC 29707
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term329 Months
DueSep 1, 2051

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 12, 2021
Property Address486 LINDSEY DR, LAKELAND, FL 33809-7232
Document Number0000210879
Book / Page11845 / 2280
Map ReferenceMB 109 PG 32
Instrument DateAug 6, 2021
Instrument2021210879
Transaction TypeTransfer
Record UpdatedAug 27, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,463.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address147 BAYVILLE WAY, 147, WARETOWN, NJ 08758-2738

Transferred To (Grantee/Buyer)

NameVerified Name
Address486 LINDSEY DR, LAKELAND, FL 33809-7232

Mortgage

Document Number0000210880
DateAug 12, 2021
Book Page11845/2282
Instrument2021210880
Lender
NameMOVEMENT MORTGAGE
TypeMortgage Company
AddressFORT MILL, SC 29707
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$228,512 (-13.78%) Land $58,000 Building $170,512$228,512 (-13.78%) Land $58,000 Building $170,512
2025$3,426.00 (-3.55%)$265,020 (+27.13%) Land $58,000 Building $207,020$265,020 (+27.13%) Land $58,000 Building $207,020
2024$3,552.00 (+10.69%)
2023$3,209.00 (+6.22%)$208,457 (+7.43%) Land $56,000 Building $152,457$208,457 (+7.43%) Land $56,000 Building $152,457
2022$3,021.00$194,043 Land $46,000 Building $148,043$194,043 Land $46,000 Building $148,043

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 16 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies16 in force
Nearby Flood Claims4 (2024)
Claims Outside the SFHA1 of 4
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 4 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

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

Wildfire RiskModerate
above 44% of the US · lower than 85% of Florida
Wildfire Likelihood0.09% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 221 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

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