522 Setter Ln, Lakeland, FL 33809 Property Records

Polk County property record for 522 Setter Ln, Lakeland, FL 33809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,858 sqft · built 2006
Lot Size	0.189 acres (8,250 sqft)
Owner	Company Name on File
Tax Bill	$2,314 (2025)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-27-18-161219-001880`

Property Details

APN / Parcel Number

Primary APN	`24-27-18-161219-001880`
Alternative APN	`182724161219001880`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,858 sqft Living Area
Gross Area	2,257 sqft
1st Floor Area	1,858 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	8,250 sqft (0.189 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	399 sqft
Porch	Unfinished Open Porch
Porch Area	52 sqft

Location & Zoning

Street Address	522 SETTER LN
City	LAKELAND
State	FL
Zip	33809-3396
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HUNTERS CROSSING PHASE ONE PB 131 PGS 1-2 LOT 188
Legal Range	24E
Legal Township	27S
Legal Section	18
Legal Subdivision	HUNTERS CROSSING PHASE ONE
Legal Phase	1
Legal Block	2
Legal Lot Number	188
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2017
Census Tract	12303

Owner

522 Setter Ln is owned by a company that acquired it in December 2021 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	522 SETTER LN, LAKELAND, FL 33809-3396
Occupancy	Owner Occupied
Owner Type	Company

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 Names	Name on Deed
Last Sale	Dec 13, 2021
Deed Sale	Dec 13, 2021
Prior Sale	Feb 28, 2020 · Amount on File
Deed Document Number	2021323621
Deed Book / Page	12024 / 137
Prior Transfer Date	Nov 17, 2021
Prior Transfer Doc	0000323621
Record Updated	Oct 29, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Dec 13, 2021
Property Address	522 SETTER LN, LAKELAND, FL 33809-3396
Document Number	0000323621
Book / Page	12024 / 137
Map Reference	MB 131 PG 1
Instrument Date	Nov 17, 2021
Instrument	20210323621
Transaction Type	Transfer
Record Updated	Dec 31, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 SETTER LN, LAKELAND, FL 33809-3396

Mortgage

Document Number	0012024141
Date	Dec 13, 2021
Instrument	12024/141

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 522 Setter Ln was $2,314 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$225,112 (+2.7%)	$235,959 (-4.64%) Land $44,000 Building $191,959
2025	$2,314.00 Homeowner's exemption	$219,194	$247,449 Land $44,000 Building $203,449
2023	$2,666.00 (+3.13%) Homeowner's exemption	$206,813 (+3%)	$245,755 (+10.02%) Land $42,000 Building $203,755
2022	$2,585.00 Homeowner's exemption	$200,789	$223,381 Land $35,000 Building $188,381

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

Flood

FEMA maps place 522 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (1998–2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 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 522 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 Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 System	NORTHWEST serves 28,082 people · EPA ID FL6532348
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	21 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

Provider	Max 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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