535 Emerald Cove Loop, Lakeland, FL 33813 Property Records

Polk County property record for 535 Emerald Cove Loop, Lakeland, FL 33813

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,649 sqft · built 1996
Lot Size	0.441 acres (19,214 sqft)
Owner	Individual Name on Record
Last Sale	$182,000 (Apr 2018)
Tax Bill	$1,340 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-29-13-140832-000540`

Property Details

APN / Parcel Number

Primary APN	`23-29-13-140832-000540`
Alternative APNs	`132923140832000540` `32923000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,649 sqft Living Area
Gross Area	2,069 sqft
1st Floor Area	1,649 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	19,214 sqft (0.441 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch
Porch Area	32 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	535 EMERALD COVE LOOP
City	LAKELAND
State	FL
Zip	33813-2753
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD COVE PB 97 PG 22 LOT 54
Legal Range	23E
Legal Township	29S
Legal Section	13
Legal Subdivision	EMERALD COVE
Legal Tract	140832
Legal Block	2
Legal Lot Number	54
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2000
Census Tract	11836

Owner

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	Individual Name on Record
Mailing Address	535 EMERALD COVE LOOP, LAKELAND, FL 33813-2753
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Apr 27, 2018	Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2018 · Amount on Record
Deed Sale	Apr 27, 2018 · Amount on Record
Prior Sale	Dec 20, 2005 · Amount on Record
Deed Document Number	201889747
Deed Book / Page	10466 / 2115
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	535 EMERALD COVE LOOP, LAKELAND, FL 33813-2753
Document Number	0114371422
Instrument Date	Sep 4, 2020
Transaction Type	Mortgage
Record Updated	Nov 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	535 EMERALD COVE LOOP LAKELAND FL 338132753, LAKELAND, FL 33813-2753

Mortgage

Document Number	0114371422
Date	Oct 30, 2020
Book Page	011437/001422
Instrument	232352

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 27, 2018
Property Address	535 EMERALD COVE LOOP, LAKELAND, FL 33813-2753
Document Number	0104662115
Book / Page	010466 / 002115
Instrument Date	Apr 25, 2018
Instrument	89747
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,274.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 EMERALD COVE LOOP LAKELAND FL 338132753, LAKELAND, FL 33813-2753

Mortgage

Document Number	104662117
Date	Apr 27, 2018
Book Page	010466/002117
Instrument	89748

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2048

Tax Assessment & Valuation

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		$144,227 (+2.7%)	$266,087 (-4.81%) Land $52,000 Building $214,087
2025	$1,340.00 (-26.05%) Homeowner's exemption	$140,435 (+5.99%)	$279,519 (+1.42%) Land $52,000 Building $227,519
2023	$1,812.00 (+4.92%) Homeowner's exemption	$132,502 (+3%)	$275,606 (+2.43%) Land $50,000 Building $225,606
2022	$1,727.00 Homeowner's exemption	$128,643	$269,070 Land $46,000 Building $223,070

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

Flood

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	3 (2002–2017)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 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

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	0.04% annual chance
Exposure	Direct 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 System	SOUTHWEST/POLK COUNTY UTILITY serves 39,209 people · EPA ID FL6530852
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	1 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	11 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

Provider	Max 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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