Polk County property record for 520 Windermere Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,552 sqft · built 1957 |
| Lot Size | 0.561 acres (24,420 sqft) |
| Owner | Company Name on Record |
| Last Sale | $293,000 (Oct 2023) |
| Tax Bill | $5,049 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Oct 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-27-24-008600-003020 |
| Primary APN | 23-27-24-008600-003020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,552 sqft Living Area |
| Gross Area | 2,036 sqft |
| 1st Floor Area | 1,552 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 24,420 sqft (0.561 acres) |
| Lot Dimensions | 242 ft deep x 100 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 760 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 408 sqft |
| Utility Building | 60 sqft |
| Cooling System | None |
|---|
| Street Address | 520 WINDERMERE DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-3361 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | GLENMAR PB 37 PG 42 BLK 3 LOT 2 |
| Legal Range | 23E |
| Legal Township | 27S |
| Legal Section | 24 |
| Legal Subdivision | GLENMAR |
| Legal Tract | 8600 |
| Legal Block | 3 |
| Legal Lot Number | 2 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 12209 |
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 Record | Company Name on Record |
|---|---|
| Mailing Address | 4980 US HIGHWAY 98 N, LAKELAND, FL 33809-3609 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Mar 6, 2024 | Quit Claim Deed, Transfer · Commercial Mortgage LIMA ONE CAPITAL LLC |
| Oct 31, 2023 | Deed of Trust, Mortgage · Commercial Mortgage LIMA ONE CAPITAL LLC |
| Jul 12, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2023 · Amount on Record |
| Deed Sale | Oct 31, 2023 · Amount on Record |
| Prior Sale | Mar 16, 1995 · Amount on Record |
| Deed Document Number | 2023257544 |
| Deed Book / Page | 12893 / 644 |
| Last Transfer Date | Feb 28, 2024 |
| Transfer Doc | 0000052072 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 6, 2024 |
| Property Address | 520 WINDERMERE DR, LAKELAND, FL 33809-3361 |
| Document Number | 0000052072 |
| Book / Page | 13029 / 1941 |
| Map Reference | MB 37 PG 42 |
| Instrument Date | Feb 28, 2024 |
| Instrument | 2024052072 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2024 |
| Title Company | LAKELAND TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4980 US HIGHWAY 98 N, LAKELAND, FL 33809-3609 |
| Name | Verified Name |
|---|---|
| Address | 4980 US HIGHWAY 98 N, LAKELAND, FL 33809-3609 |
| Document Number | 0130291943 |
|---|---|
| Date | Mar 6, 2024 |
| Instrument | 13029/1943 |
| Name | LIMA ONE CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 520 WINDERMERE DR, LAKELAND, FL 33809-3361 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2024 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 4980 US HIGHWAY 98 N, LAKELAND, FL 33809-3609 |
| Document Number | 0000257545 |
|---|---|
| Date | Oct 31, 2023 |
| Book Page | 12893/647 |
| Instrument | 2023257545 |
| Name | LIMA ONE CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | GREENVILLE, SC 29601 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 12, 2023 |
| Property Address | 520 WINDERMERE DR, LAKELAND, FL 33809-3361 |
| Document Number | 0000161882 |
| Book / Page | 12760 / 296 |
| Map Reference | MB 37 PG 42 |
| Instrument Date | Jun 9, 2023 |
| Instrument | 2023161882 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 520 WINDERMERE DR, LAKELAND, FL 33809-3361 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 12509 GLACIER PARKE CV, AUSTIN, TX 78726-1781 |
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 | $387,263 (-0.85%) Land $145,800 Building $241,463 | $387,263 (-0.85%) Land $145,800 Building $241,463 | |
| 2025 | $5,049.00 (+309.49%) | $390,590 (+142.37%) Land $145,800 Building $244,790 | $390,590 (+0.73%) Land $145,800 Building $244,790 |
| 2023 | $1,233.00 (+3.35%) Homeowner's exemption | $161,155 (+3%) | $387,760 (+17.04%) Land $141,480 Building $246,280 |
| 2022 | $1,193.00 Homeowner's exemption | $156,461 | $331,303 Land $117,720 Building $213,583 |
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 100 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 | Not rated no burnable land within 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 159 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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