Polk County property record for 540 Windermere Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,085 sqft · built 1959 |
| Lot Size | 0.55 acres (23,949 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,776 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 23-27-24-008600-003010 |
| Primary APN | 23-27-24-008600-003010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,085 sqft Living Area |
| 1st Floor Area | 3,085 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Exterior Material | Other |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 23,949 sqft (0.55 acres) |
| Lot Dimensions | 246 ft deep x 100 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 786 sqft |
| Carport | Carport |
| Carport Area | 786 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 300 sqft |
| Patio Area | 195 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 540 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 1 |
| Legal Range | 23E |
| Legal Township | 27S |
| Legal Section | 24 |
| Legal Subdivision | GLENMAR |
| Legal Tract | 8600 |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 540 WINDERMERE DR, LAKELAND, FL 33809-3361 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
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 | $187,515 (+2.7%) | $420,017 (-6.48%) Land $145,800 Building $274,217 | |
| 2025 | $1,776.00 (-17.89%) Homeowner's exemption | $182,585 (+5.99%) | $449,132 (-0.55%) Land $145,800 Building $303,332 |
| 2023 | $2,163.00 (+0.75%) Homeowner's exemption | $172,271 (+3%) | $451,627 (+12.55%) Land $141,480 Building $310,147 |
| 2022 | $2,147.00 Homeowner's exemption | $167,253 | $401,280 Land $117,720 Building $283,560 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 144.6 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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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