Polk County property record for 6340 Nelms Rd E, Lakeland, FL 33811
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,375 sqft · built 1988 |
| Lot Size | 3 acres (130,837 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $785,000 (Jul 2025) |
| Tax Bill | $4,677 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Aug 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-29-21-000000-013030 |
| Primary APN | 23-29-21-000000-013030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,375 sqft Living Area |
| Gross Area | 2,960 sqft |
| 1st Floor Area | 2,375 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 130,837 sqft |
| Lot Dimensions | 382 ft deep x 239 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 585 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 544 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 222 sqft |
| Cooling System | Central |
|---|
| Street Address | 6340 NELMS RD E |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33811-1965 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Description | BEG SE COR OF NW1/4 OF NE1/4 FOR POB RUN N 56 DEG 13 MIN W 692.33 FT W 11.14 FT SWLY ALONG CURVE TO LF 84.96 FT S 38 DEG 21 MIN 20 SEC W 93.11 FT SWLY ALONG CURVE TO RT 20 FT S 44 DEG 55 MIN 40 SEC E 364.92 FT E 475 FT TO POB KNOWN AS LOT 8 OF UNRECO |
| Legal Range | 23E |
| Legal Township | 29S |
| Legal Section | 21 |
| Legal Subdivision | OAK VIEW ESTATES UNIT 1 |
| Legal Tract | 000000 |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 11908 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6340 NELMS RD E, LAKELAND, FL 33811-1965 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| May 5, 2026 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 17, 2022 | Deed of Trust, Mortgage UNLOCK PARTNERSHIP SOLUTIONS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2025 · Amount on Record |
| Deed Sale | Jul 7, 2025 · Amount on Record |
| Prior Sale | Mar 14, 2016 · Amount on Record |
| Deed Document Number | 2025155741 |
| Deed Book / Page | 13611 / 1 |
| Prior Transfer Date | Mar 10, 2005 |
| Prior Transfer Doc | 0000059219 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 5, 2026 |
| Property Address | 6340 NELMS RD E, LAKELAND, FL 33811-1965 |
| Document Number | 0000106935 |
| Book / Page | 13984 / 2156 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 2026106935 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 6340 NELMS RD E, LAKELAND, FL 33811-1965 |
| Document Number | 0000106935, |
|---|---|
| Date | May 5, 2026 |
| Book Page | 13984/2156 |
| Instrument | 2026106935 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 6340 NELMS RD E, LAKELAND, FL 33811-1965 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 6340 NELMS RD E, LAKELAND, FL 33811-1965 |
| Document Number | 0000223694 |
|---|---|
| Date | Aug 17, 2022 |
| Book Page | 12382/2119 |
| Instrument | 2022223694 |
| Name | UNLOCK PARTNERSHIP SOLUTIONS INC |
|---|---|
| Type | Non-Lending Institution |
| Address | NEW YORK, NY 10016 |
| Amount | Amount Recorded |
|---|
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 | $589,503 (+46.65%) Land $132,500 Building $457,003 | $589,503 (-0.63%) Land $132,500 Building $457,003 | |
| 2025 | $4,677.00 (-5.4%) | $401,977 (+5.99%) | $593,252 (-0.33%) Land $132,500 Building $460,752 |
| 2023 | $4,944.00 (+2.51%) Homeowner's exemption | $379,270 (+3%) | $595,235 (+8.83%) Land $128,000 Building $467,235 |
| 2022 | $4,823.00 Homeowner's exemption | $368,223 | $546,947 Land $121,100 Building $425,847 |
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.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 13 (1997–2024) |
| Claims Outside the SFHA | 2 of 13 |
| 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 | Moderate above 58% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 88 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 / 35 |
5G (outdoors only) and 4G LTE
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