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531 Emerald Cove Loop, Lakeland, FL 33813 Property Records

Polk County property record for 531 Emerald Cove Loop, Lakeland, FL 33813

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,292 sqft · built 1997
Lot Size0.441 acres (19,210 sqft)
Owner2 Individual Names on File
Last Sale$169,900 (Dec 2005)
Tax Bill$761 (2025)
Flood ZoneZone X (minimal risk)
APN23-29-13-140832-000550

Property Details

APN / Parcel Number

Primary APN23-29-13-140832-000550
Alternative APNs
  • 132923140832000550
  • 32923000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,292 sqft Living Area
Gross Area1,752 sqft
1st Floor Area1,292 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area19,210 sqft (0.441 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area460 sqft
PorchScreened/Unfinished Porch
Porch Area168 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address531 EMERALD COVE LOOP
CityLAKELAND
StateFL
Zip33813-2753
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionEMERALD COVE PB 97 PG 22 LOT 55
Legal Range23E
Legal Township29S
Legal Section13
Legal SubdivisionEMERALD COVE
Legal Tract140832
Legal Block2
Legal Lot Number55
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group2
Census Block2000
Census Tract11836

Owner

531 Emerald Cove Loop is owned and occupied by two individuals who bought it in December 2005.

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

Owner of Record2 Individual Names on File
Mailing Address531 EMERALD COVE LOOP, LAKELAND, FL 33813-2753
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 SaleDec 29, 2005 · Amount on File
Deed SaleDec 29, 2005 · Amount on File
Prior SaleJun 23, 1997 · Amount on File
Deed Document Number2005319717
Deed Book / Page6564 / 497
Record UpdatedOct 29, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 531 Emerald Cove Loop was $761 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$99,893 (+2.7%)$243,565 (-4.26%) Land $52,000 Building $191,565
2025$761.00 Homeowner's exemption$97,267$254,408 Land $52,000 Building $202,408
2023$1,257.00 (+6.35%) Homeowner's exemption$91,773 (+3%)$250,128 (+4.13%) Land $50,000 Building $200,128
2022$1,182.00 Homeowner's exemption$89,100$240,203 Land $46,000 Building $194,203

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

Flood

FEMA maps place 531 Emerald Cove Loop in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 12 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies12 in force
Nearby Flood Claims3 (2002–2017)
Claims Outside the SFHA2 of 3
Most Recent ClaimSep 2017 · Hurricane Irma

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 531 Emerald Cove Loop is low, with a 0.04% 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 Likelihood0.04% annual chance
ExposureDirect
burnable vegetation

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 SystemSOUTHWEST/POLK COUNTY UTILITY
serves 39,209 people · EPA ID FL6530852
Water SourceGroundwater
Last State InspectionJan 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting11
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 454 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: Frontier.

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