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490 Platt St, Lakeland, FL 33809 Property Records

Polk County property record for 490 Platt St, Lakeland, FL 33809

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,704 sqft · built 1966
Lot Size0.292 acres (12,720 sqft)
Owner2 Individual Names on File
Last Sale$310,000 (Nov 2024)
Tax Bill$3,641 (2025)
Deeds & MortgagesJul 2021 Mortgage
Dec 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN23-27-24-008300-004010

Property Details

APN / Parcel Number

Primary APN23-27-24-008300-004010
Alternative APNs
  • 242723008300004010
  • 42723000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,704 sqft Living Area
Gross Area2,144 sqft
1st Floor Area1,704 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1966
Effective Year BuiltEffective 2015
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area12,720 sqft (0.292 acres)
Lot Dimensions120 ft deep x 106 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area440 sqft
PorchUnfinished Open Porch
Porch Area88 sqft
Utility Building156 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address490 PLATT ST
CityLAKELAND
StateFL
Zip33809-3351
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionLAKE GIBSON ESTATES PB 44 PG 25 BLK D LOT 1
Legal Range23E
Legal Township27S
Legal Section24
Legal SubdivisionLAKE GIBSON ESTATES
Legal Tract8300
Legal BlockD
Legal Lot Number1
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group1
Census Block1003
Census Tract12209

Owner

490 Platt St is owned and occupied by two individuals who bought it in November 2024.

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

Owner of Record2 Individual Names on File
Mailing Address490 PLATT ST, LAKELAND, FL 33809-3351
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

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

DateDocument
Jul 29, 2021Deed of Trust, Mortgage · Conventional Mortgage
PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Dec 29, 2021Warranty Deed, Transfer · FHA Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC
Sep 9, 2021Warranty Deed, Transfer
OS NATIONAL LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 19, 2024 · Amount on File
Deed SaleNov 19, 2024 · Amount on File
Prior SaleDec 29, 2021 · Amount on File
Deed Document Number2024262682
Deed Book / Page13338 / 729
Prior Transfer DateFeb 27, 2013
Prior Transfer Doc0000038234
Record UpdatedOct 29, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address490 PLATT ST, LAKELAND, FL 33809-3351
Transaction TypeMortgage
Record UpdatedJul 1, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address1845 FARRINGTON DR, LAKELAND, FL 33809-6826

Mortgage

Document Number0000197394
DateJul 29, 2021
Book Page11825/797
Instrument2021197394
Lender
NamePARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
TypeMortgage Company
AddressCORONA, CA 92879
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2051

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateDec 29, 2021
Property Address490 PLATT ST, LAKELAND, FL 33809-3351
Document Number0000339302
Book / Page12049 / 1998
Map ReferenceMB 44 PG 25
Instrument DateDec 22, 2021
Instrument2021339302
Transaction TypeTransfer
Record UpdatedAug 2, 2022
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,995.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address490 PLATT ST, LAKELAND, FL 33809-3351

Mortgage

Document Number0120492000
DateDec 29, 2021
Instrument12049/2000
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2052

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateSep 9, 2021
Property Address490 PLATT ST, LAKELAND, FL 33809-3351
Document Number0000235689
Book / Page11885 / 593
Map ReferenceMB 44 PG 25
Instrument DateSep 3, 2021
Instrument2021235689
Transaction TypeTransfer
Record UpdatedJul 1, 2026
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount on Record
Tax$1,976.80
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1845 FARRINGTON DR, LAKELAND, FL 33809-6826

Transferred To (Grantee/Buyer)

NameVerified Name
Address410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 490 Platt St was $3,641 with a homeowner's exemption.

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$241,361 (-14.32%) Land $50,000 Building $191,361$241,361 (-14.32%) Land $50,000 Building $191,361
2025$3,641.00$281,688 Land $50,000 Building $231,688$281,688 Land $50,000 Building $231,688
2023$4,182.00 (+9.36%)$286,495 (+12.59%) Land $48,000 Building $238,495$286,495 (+12.59%) Land $48,000 Building $238,495
2022$3,824.00$254,466 Land $40,000 Building $214,466$254,466 Land $40,000 Building $214,466

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

Flood

FEMA maps place 490 Platt St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File
median of 21 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies21 in force
Nearby Flood Claims12 (2017–2024)
Claims Outside the SFHA4 of 12
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 11 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 490 Platt St is low, with a 0.06% annual chance of wildfire.

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

Wildfire RiskLow
lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood0.06% annual chance
ExposureNone
beyond ember reach

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 288 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
AT&T
Fixed Wireless		100 / 20

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