5409 Harbor Dr E, Lakeland, FL 33809 Property Records

Polk County property record for 5409 Harbor Dr E, Lakeland, FL 33809 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,732 sqft · built 1972
Lot Size	0.258 acres (11,252 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Mar 2025)
Tax Bill	$3,984 (2025)
Deeds & Mortgages	Mar 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-27-30-000000-031110`

Property Details

APN / Parcel Number

Primary APN	`24-27-30-000000-031110`
Alternative APNs	`302724000000031110` `02724000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,732 sqft Living Area
1st Floor Area	2,732 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	11,252 sqft (0.258 acres)
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	305 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	5409 HARBOR DR E
City	LAKELAND
State	FL
Zip	33809-4287
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG NW COR OF NE1/4 OF NW1/4 RUN N 88 DEG 44 MIN 20 SEC E 598.85 FT RUN S 765.03 FT TO POB CONT S 90 FT W 125 FT N 90 FT E 125 FT TO POB BEING LOT 13 BLK A UNREC MARINA MANOR
Legal Range	24E
Legal Township	27S
Legal Section	30
Legal Subdivision	BRISTOWS PROPS
Legal Tract	000000
Legal Block	2
Legal Lot Number	13
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2003
Census Tract	12209

Owner

Source: Polk County records · APN 24-27-30-000000-031110

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	5409 HARBOR DR E, LAKELAND, FL 33809-4287
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 05, 2025 · Amount on Record
Deed Sale	Mar 05, 2025 · Amount on Record
Deed Document Number	202549098
Deed Book / Page	13454 / 1091
Record Updated	Sep 20, 2026

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 05, 2025
Property Address	5409 HARBOR DR E, LAKELAND, FL 33809-4287
Document Number	0000049098
Book / Page	13454 / 1091
Instrument Date	Feb 28, 2025
Instrument	2025049098
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	LAKELAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2562 GOLDENROD WAY, TALLAHASSEE, FL 32311-1654

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5409 HARBOR DR E, LAKELAND, FL 33809-4287

Mortgage

Document Number	0134541093
Date	Mar 05, 2025
Instrument	13454/1093

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2055

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,984.00 (+147.3%)	$308,188 (+155.97%) Land $39,000 Building $269,188	$308,188 (-3.03%) Land $39,000 Building $269,188
2023	$1,611.00 (+4.75%) Homeowner's exemption	$120,399 (+3%)	$317,829 (+2.88%) Land $38,000 Building $279,829
2022	$1,538.00 Homeowner's exemption	$116,892	$308,940 Land $32,000 Building $276,940

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.