6404 Chippendale Rd, Lakeland, FL 33809 Property Records

Polk County property record for 6404 Chippendale Rd, Lakeland, FL 33809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,542 sqft · built 1974
Lot Size	0.289 acres (12,598 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Apr 2021)
Tax Bill	$2,689 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-27-20-161710-002010`

Property Details

APN / Parcel Number

Primary APN	`24-27-20-161710-002010`
Alternative APNs	`202724161710002010` `02724000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,542 sqft Living Area
Gross Area	2,041 sqft
1st Floor Area	1,542 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	12,598 sqft (0.289 acres)
Lot Dimensions	140 ft deep x 90 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	483 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	288 sqft
Porch	Florida Room
Porch Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	6404 CHIPPENDALE RD
City	LAKELAND
State	FL
Zip	33809-2306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOST LAKE PARK PHASE ONE PB 58 PG 41 BLK B LOT 1
Legal Range	24E
Legal Township	27S
Legal Section	20
Legal Subdivision	LOST LAKE PARK PHASE 01
Legal Phase	1
Legal Tract	161710
Legal Block	B
Legal Lot Number	1
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2033
Census Tract	12304

Owner

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	6404 CHIPPENDALE RD, LAKELAND, FL 33809-2306
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Mar 9, 2018	Deed of Trust, Mortgage · Conventional with PMI RP FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2021 · Amount on Record
Deed Sale	Apr 23, 2021 · Amount on Record
Prior Sale	May 19, 2016 · Amount on Record
Deed Document Number	2021103950
Deed Book / Page	11682 / 553
Prior Transfer Date	Jan 27, 2016
Prior Transfer Doc	0000017982
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 23, 2021
Property Address	6404 CHIPPENDALE RD, LAKELAND, FL 33809-2306
Document Number	0000103950
Book / Page	11682 / 553
Map Reference	MB 58 PG 41
Instrument Date	Mar 16, 2021
Instrument	2021103950
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	GOLDEN RULE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1321 HAWK DR, LAKELAND, FL 33803-1863

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6404 CHIPPENDALE RD, LAKELAND, FL 33809-2306

Mortgage

Document Number	0011682555
Date	Apr 23, 2021
Instrument	11682/555

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	6404 CHIPPENDALE RD, LAKELAND, FL 33809-2306
Document Number	0104380281
Instrument Date	Mar 9, 2018
Transaction Type	Mortgage
Record Updated	Apr 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6404 CHIPPENDALE RD LAKELAND FL 338092306, LAKELAND, FL 33809-2306

Mortgage

Document Number	0104380281
Date	Mar 29, 2018
Book Page	010438/000281
Instrument	67400

Lender

Name	RP FNDG
Type	Funding / Finance Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Mar 28, 2033

Tax Assessment & Valuation

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		$256,322 (+1.23%) Land $39,000 Building $217,322	$256,322 (+1.23%) Land $39,000 Building $217,322
2025	$2,689.00 (-12.18%) Homeowner's exemption	$253,196 (+4.63%) Land $39,000 Building $214,196	$253,196 (-0.9%) Land $39,000 Building $214,196
2023	$3,062.00 (+0.79%) Homeowner's exemption	$241,988 (+3%)	$255,484 (+8.74%) Land $38,000 Building $217,484
2022	$3,038.00 Homeowner's exemption	$234,940 Land $32,000 Building $202,940	$234,940 Land $32,000 Building $202,940

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 40 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	12 (1995–2024)
Claims Outside the SFHA	9 of 12
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 5 claims

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 Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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	NORTHWEST serves 28,082 people · EPA ID FL6532348
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 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	21 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 348 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

May also be available: T-Mobile.

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