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515 Setter Ln, Lakeland, FL 33809 Property Records

Polk County property record for 515 Setter Ln, Lakeland, FL 33809

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,671 sqft · built 2006
Lot Size0.202 acres (8,799 sqft)
Owner2 Individual Names on File
Last Sale$143,600 (May 2012)
Tax Bill$1,627 (2025)
Deeds & MortgagesOct 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN24-27-18-161219-001810

Property Details

APN / Parcel Number

Primary APN24-27-18-161219-001810
Alternative APNs
  • 182724161219001810
  • 82724000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,671 sqft Living Area
Gross Area3,071 sqft
1st Floor Area2,671 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area8,799 sqft (0.202 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area400 sqft
PorchScreened/Unfinished Porch
Porch Area271 sqft

Location & Zoning

Street Address515 SETTER LN
CityLAKELAND
StateFL
Zip33809-3397
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHUNTERS CROSSING PHASE ONE PB 131 PGS 1-2 LOT 181
Legal Range24E
Legal Township27S
Legal Section18
Legal SubdivisionHUNTERS CROSSING PHASE ONE
Legal Phase1
Legal Tract161219
Legal Block2
Legal Lot Number181
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group2
Census Block2016
Census Tract12303

Owner

515 Setter Ln is owned and occupied by two individuals who bought it in May 2012.

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

Owner of Record2 Individual Names on File
Mailing Address515 SETTER LN, LAKELAND, FL 33809-3397
OccupancyOwner Occupied
Owner TypeIndividual

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 Names2 Names on Deed
Last SaleMay 1, 2012 · Amount on File
Deed SaleMay 1, 2012 · Amount on File
Prior SaleDec 29, 2011 · Amount on File
Deed Document Number201275930
Deed Book / Page8637 / 1121
Record UpdatedOct 29, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address515 SETTER LN, LAKELAND, FL 33809-3397
Transaction TypeMortgage
Record UpdatedNov 9, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000275840
DateOct 22, 2021
Book Page11949/126
Instrument2021275840
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 515 Setter Ln was $1,627 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$170,546 (+2.7%)$309,390 (-4.89%) Land $44,000 Building $265,390
2025$1,627.00 Homeowner's exemption$166,062$325,296 Land $44,000 Building $281,296
2023$2,061.00 (+3.52%) Homeowner's exemption$156,682 (+3%)$323,690 (+9.63%) Land $42,000 Building $281,690
2022$1,991.00 Homeowner's exemption$152,118$295,257 Land $35,000 Building $260,257

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

Flood

FEMA maps place 515 Setter Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1998.

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
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies6 in force
Nearby Flood Claims3 (1998–2024)
Claims Outside the SFHA3 of 3
Most Recent ClaimOct 2024 · Hurricane Milton

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 515 Setter Ln 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 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.06% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemNORTHWEST
serves 28,082 people · EPA ID FL6532348
Water SourceGroundwater
Last State InspectionFeb 2024
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting21
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 413 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

May also be available: T-Mobile.

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