547 Emerald Cove Loop, Lakeland, FL 33813 Property Records

Polk County property record for 547 Emerald Cove Loop, Lakeland, FL 33813

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,292 sqft · built 1995
Lot Size	0.441 acres (19,219 sqft)
Owner	2 Individual Names on File
Last Sale	$184,400 (Jan 2020)
Tax Bill	$2,006 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage Jun 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`23-29-13-140832-000510`

Property Details

APN / Parcel Number

Primary APN	`23-29-13-140832-000510`
Alternative APNs	`132923140832000510` `32923000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,292 sqft Living Area
Gross Area	1,752 sqft
1st Floor Area	1,292 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	19,219 sqft (0.441 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	460 sqft
Porch	Screened/Unfinished Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	547 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 51
Legal Range	23E
Legal Township	29S
Legal Section	13
Legal Subdivision	EMERALD COVE
Legal Tract	140832
Legal Block	2
Legal Lot Number	51
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2000
Census Tract	11836

Owner

547 Emerald Cove Loop is owned and occupied by two individuals who bought it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	547 EMERALD COVE LOOP, LAKELAND, FL 33813-2753
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jan 22, 2020	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
Jun 18, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2020 · Amount on File
Deed Sale	Jan 22, 2020 · Amount on File
Prior Sale	Aug 12, 2009 · Amount on File
Deed Document Number	202015684
Deed Book / Page	11114 / 2127
Prior Transfer Date	Mar 4, 2009
Prior Transfer Doc	0000045699
Record Updated	Oct 29, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 22, 2020
Property Address	547 EMERALD COVE LOOP, LAKELAND, FL 33813-2753
Document Number	0111142127
Book / Page	011114 / 002127
Instrument Date	Jan 17, 2020
Instrument	15684
Transaction Type	Transfer
Record Updated	Feb 7, 2020
Title Company	INSURED R/E TITLE SERVICES, INSURED R/E TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,291.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	547 EMERALD COVE LOOP LAKELAND FL 338132753, LAKELAND, FL 33813-2753

Mortgage

Document Number	111142128
Date	Jan 22, 2020
Book Page	011114/002128
Instrument	15685

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 21, 2050

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jun 18, 2018
Property Address	547 EMERALD COVE LOOP, LAKELAND, FL 33813-2753
Document Number	0105201616
Book / Page	010520 / 001616
Instrument Date	Jun 8, 2018
Instrument	129848
Transaction Type	Transfer
Record Updated	Jul 6, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	547 EMERALD COVE LOOP LAKELAND FL 338132753, LAKELAND, FL 33813-2753

Tax Assessment & Valuation

The 2025 property tax bill for 547 Emerald Cove Loop was $2,006 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		$195,164 (+2.7%)	$243,565 (-4.26%) Land $52,000 Building $191,565
2025	$2,006.00 Homeowner's exemption	$190,033	$254,408 Land $52,000 Building $202,408
2023	$2,449.00 (+4.08%) Homeowner's exemption	$179,298 (+3%)	$250,128 (+4.13%) Land $50,000 Building $200,128
2022	$2,353.00 Homeowner's exemption	$174,076	$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 547 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 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 File 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

Wildfire risk around 547 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 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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