Polk County property record for 509 Windermere Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,653 sqft · built 1978 |
| Lot Size | 0.463 acres (20,177 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $90,000 (Mar 1998) |
| Tax Bill | $1,011 (2025) |
| Deeds & Mortgages | Feb 2021 Line of Credit May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-27-24-008600-002142 |
| Primary APN | 23-27-24-008600-002142 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,653 sqft Living Area |
| Gross Area | 2,159 sqft |
| 1st Floor Area | 1,653 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 20,177 sqft (0.463 acres) |
| Lot Dimensions | 170 ft deep x 119 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 144 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 509 WINDERMERE DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-3362 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | GLENMAR PB 37 PG 42 BLK 2 LOT 14 E1/2 & E1/2 OF 15 |
| Legal Range | 23E |
| Legal Township | 27S |
| Legal Section | 24 |
| Legal Subdivision | GLENMAR |
| Legal Tract | 8600 |
| Legal Block | 2 |
| Legal Lot Number | 14 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 12209 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 509 WINDERMERE DR, LAKELAND, FL 33809-3362 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 15, 2021 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| May 10, 2017 | Deed of Trust, Mortgage · Conventional with PMI NEW DAY FIN'L |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 2, 1998 · Amount on Record |
| Deed Sale | Mar 2, 1998 · Amount on Record |
| Deed Book / Page | 3983 / 2244 |
| Prior Transfer Date | Oct 17, 1994 |
| Prior Transfer Doc | 3500000897 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 509 WINDERMERE DR, LAKELAND, FL 33809-3362 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000038441 |
|---|---|
| Date | Feb 15, 2021 |
| Book Page | 11580/2262 |
| Instrument | 2021038441 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 5, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 509 WINDERMERE DR, LAKELAND, FL 33809-3362 |
| Document Number | 0101491018 |
| Book / Page | 010149 / 001018 |
| Instrument Date | May 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2017 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 509 WINDERMERE DR LAKELAND FL 338093362, LAKELAND, FL 33809-3362 |
| Document Number | 0101491018 |
|---|---|
| Date | May 17, 2017 |
| Book Page | 010149/001018 |
| Instrument | 94191 |
| Name | NEW DAY FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | FULTON, MD 20759 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 16, 2032 |
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 | $126,765 (+2.7%) | $251,837 (-12.87%) Land $45,000 Building $206,837 | |
| 2025 | $1,011.00 (-31.13%) Homeowner's exemption | $123,432 (+6.88%) | $289,040 (+4.73%) Land $45,000 Building $244,040 |
| 2023 | $1,468.00 (+4.34%) Homeowner's exemption | $115,488 (+3%) | $275,985 (+15.43%) Land $40,000 Building $235,985 |
| 2022 | $1,407.00 Homeowner's exemption | $112,124 | $239,101 Land $34,000 Building $205,101 |
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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