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551 Emerald Cove Loop, Lakeland, FL 33813 Property Records

Polk County property record for 551 Emerald Cove Loop, Lakeland, FL 33813

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,546 sqft · built 1994
Lot Size0.441 acres (19,223 sqft)
OwnerCompany Name on Record
Last Sale$153,000 (Aug 2015)
Tax Bill$3,809 (2025)
Deeds & MortgagesDec 2023 Transfer
Jul 2021 Sale
Flood ZoneZone X (minimal risk)
APN23-29-13-140832-000500

Property Details

APN / Parcel Number

Primary APN23-29-13-140832-000500
Alternative APNs
  • 132923140832000500
  • 32923000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,546 sqft Living Area
Gross Area1,926 sqft
1st Floor Area1,546 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable
Roof MaterialOther
Lot Area19,223 sqft (0.441 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area380 sqft
PorchScreened/Unfinished Porch
Porch Area345 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address551 EMERALD COVE LOOP
CityLAKELAND
StateFL
Zip33813-2753
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionEMERALD COVE PB 97 PG 22 LOT 50
Legal Range23E
Legal Township29S
Legal Section13
Legal SubdivisionEMERALD COVE
Legal Tract140832
Legal Block2
Legal Lot Number50
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group2
Census Block2000
Census Tract11836

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordCompany Name on Record
Mailing Address834 E COUNTY ROAD 540A, LAKELAND, FL 33813-3640
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Dec 4, 2023Quit Claim Deed, Transfer
Quitclaim
Jul 20, 2021Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 7, 2015 · Amount on Record
Deed SaleAug 7, 2015 · Amount on Record
Prior SaleFeb 10, 2015 · Amount on Record
Deed Document Number2015143814
Deed Book / Page9597 / 1384
Last Transfer DateNov 30, 2023
Transfer Doc0000282928
Record UpdatedOct 29, 2026

December 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateDec 4, 2023
Property Address551 EMERALD COVE LOOP, LAKELAND, FL 33813-2753
Document Number0000282928
Book / Page12928 / 758
Map ReferenceMB 97 PG 22
Instrument DateNov 30, 2023
Instrument2023282928
Transaction TypeTransfer
Record UpdatedDec 19, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2808 DERBYSHIRE AVE, LAKELAND, FL 33803-4180

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address551 EMERALD COVE LOOP, LAKELAND, FL 33813-2753

July 2021: Deed, Transfer

Document TypeDeed
JurisdictionPOLK FL
Recording DateJul 20, 2021
Property Address551 EMERALD COVE LOOP, LAKELAND, FL 33813-2753
Document Number0000186698
Book / Page11809 / 164
Map ReferenceMB 97 PG 22
Instrument DateJul 14, 2021
Instrument2021186698
Transaction TypeTransfer
Record UpdatedMar 6, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2808 DERBYSHIRE AVE, LAKELAND, FL 33803-4180

Transferred To (Grantee/Buyer)

NameVerified Name
Address2808 DERBYSHIRE AVE, LAKELAND, FL 33803-4180

Tax Assessment & Valuation

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$268,675 (-5.3%) Land $52,000 Building $216,675$268,675 (-5.3%) Land $52,000 Building $216,675
2025$3,809.00 (-12.52%)$283,698 (+1.63%) Land $52,000 Building $231,698$283,698 (+1.63%) Land $52,000 Building $231,698
2023$4,354.00 (+3.47%)$279,135 (+3.89%) Land $50,000 Building $229,135$279,135 (+3.89%) Land $50,000 Building $229,135
2022$4,208.00$268,689 Land $46,000 Building $222,689$268,689 Land $46,000 Building $222,689

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 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 Record
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.03% 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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