Polk County property record for 513 Queens Loop N, Lakeland, FL 33803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,302 sqft · built 1972 |
| Lot Size | 0.228 acres (9,914 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (May 2026) |
| Tax Bill | $2,254 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Oct 2021 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-28-36-138200-001090 |
| Primary APN | 23-28-36-138200-001090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,302 sqft Living Area |
| Gross Area | 2,773 sqft |
| 1st Floor Area | 2,302 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,914 sqft (0.228 acres) |
| Lot Dimensions | 109 ft deep x 81 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 471 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 264 sqft |
| Cooling System | Central |
|---|
| Street Address | 513 QUEENS LOOP N |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33803-4624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE2 |
| Legal Description | IMPERIAL SOUTHGATE PB 47 PG 47 BLK A LOT 9 |
| Legal Range | 23E |
| Legal Township | 28S |
| Legal Section | 36 |
| Legal Subdivision | IMPERIAL SOUTHGATE |
| Legal Tract | 138200 |
| Legal Block | A |
| Legal Lot Number | 9 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10702 |
Source: Polk County records · APN 23-28-36-138200-001090
Assessment roll updated June 23, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 513 QUEENS LOOP N, LAKELAND, FL 33803-4624 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Mar 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Oct 29, 2021 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Sep 01, 2023 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| May 12, 2026 | Warranty Deed, Transfer · VA Mortgage HOME CAPITAL FUNDING INC |
| Apr 22, 2020 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Oct 16, 2019 | Deed of Trust, Mortgage · Conventional with PMI MORTGAGE FIRM |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 12, 2026 · Amount on Record |
| Deed Sale | May 12, 2026 · Amount on Record |
| Prior Sale | Nov 18, 2015 · Amount on Record |
| Deed Document Number | 2026113035 |
| Deed Book / Page | 13994 / 1034 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 513 QUEENS LOOP N, LAKELAND, FL 33803-4624 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Title Company | UNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND |
| Name | Verified Name |
|---|---|
| Address | 513 QUEENS LOOP N, LAKELAND, FL 33803-4624 |
| Document Number | 0000068016 |
|---|---|
| Date | Mar 17, 2021 |
| Book Page | 11625/1837 |
| Instrument | 2021068016 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 513 QUEENS LOOP N, LAKELAND, FL 33803-4624 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000282413 |
|---|---|
| Date | Oct 29, 2021 |
| Book Page | 11959/602 |
| Instrument | 2021282413 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 25, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 513 QUEENS LOOP N, LAKELAND, FL 33803-4624 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 513 QUEENS LOOP N, LAKELAND, FL 33803-4624 |
| Document Number | 0000205988 |
|---|---|
| Date | Sep 01, 2023 |
| Book Page | 12821/2219 |
| Instrument | 2023205988 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 15, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 12, 2026 |
| Property Address | 513 QUEENS LOOP N, LAKELAND, FL 33803-4624 |
| Document Number | 0000113035 |
| Book / Page | 13994 / 1034 |
| Instrument Date | May 11, 2026 |
| Instrument | 2026.113035 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Title Company | LAKELAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $265,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 513 QUEENS LOOP N, LAKELAND, FL 33803-4624 |
| Document Number | 0000113036, |
|---|---|
| Date | May 12, 2026 |
| Instrument | 2026..113036 |
| Name | HOME CAPITAL FUNDING INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 513 QUEENS LOOP N, LAKELAND, FL 33803-4624 |
| Document Number | 0112250147 |
| Instrument Date | Apr 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 513 QUEENS LOOP N LAKELAND FL 338034624, LAKELAND, FL 33803-4624 |
| Document Number | 0112250147 |
|---|---|
| Date | May 04, 2020 |
| Book Page | 011225/000147 |
| Instrument | 91033 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 03, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 513 QUEENS LOOP N, LAKELAND, FL 33803-4624 |
| Document Number | 0110222086 |
| Instrument Date | Oct 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 513 QUEENS LOOP N LAKELAND FL 338034624, LAKELAND, FL 33803-4624 |
| Document Number | 0110222086 |
|---|---|
| Date | Oct 30, 2019 |
| Book Page | 011022/002086 |
| Instrument | 229804 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 29, 2049 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Lakeland City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,254.00 (+3.39%) Homeowner's exemption | $168,172 (+5.99%) | $266,253 (-7.69%) Land $26,000 Building $240,253 |
| 2024 | $2,180.00 (+3.02%) | ||
| 2023 | $2,116.00 (+3.27%) Homeowner's exemption | $158,672 (+3%) | $288,418 (+10.52%) Land $25,000 Building $263,418 |
| 2022 | $2,049.00 Homeowner's exemption | $154,050 | $260,964 Land $24,000 Building $236,964 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 12 in force |
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 448 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF LAKELAND serves 193,297 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2022 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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