6411 Cromwell Rd, Lakeland, FL 33809 Property Records

Polk County property record for 6411 Cromwell Rd, Lakeland, FL 33809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,273 sqft · built 1976
Lot Size	0.257 acres (11,199 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Mar 2026)
Tax Bill	$224 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`24-27-20-161720-002250`

Property Details

APN / Parcel Number

Primary APN	`24-27-20-161720-002250`
Alternative APNs	`202724161720002250` `02724000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,273 sqft Living Area
1st Floor Area	1,273 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	11,199 sqft (0.257 acres)
Lot Dimensions	140 ft deep x 80 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	420 sqft
Carport	Carport
Carport Area	420 sqft
Porch	Unfinished Open Porch
Porch Area	40 sqft
Utility Building	147 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	6411 CROMWELL RD
City	LAKELAND
State	FL
Zip	33809-5601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOST LAKE PARK PHASE TWO PB 63 PG 48 BLK B LOT 25
Legal Range	24E
Legal Township	27S
Legal Section	20
Legal Subdivision	LOST LAKE PARK PHASE 02
Legal Phase	2
Legal Tract	161720
Legal Block	B
Legal Lot Number	25
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2033
Census Tract	12304

Owner

6411 Cromwell Rd is owned and occupied by an individual who bought it in March 2026.

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

Owner of Record	Individual Name on File
Mailing Address	6411 CROMWELL RD, LAKELAND, FL 33809-5601
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Mar 5, 2026	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
Sep 24, 2019	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2026 · Amount on File
Deed Sale	Mar 5, 2026 · Amount on File
Deed Document Number	202653803
Deed Book / Page	13906 / 655
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 5, 2026
Property Address	6411 CROMWELL RD, LAKELAND, FL 33809-5601
Document Number	0000053803
Book / Page	13906 / 655
Map Reference	MB 63 PG 48
Instrument Date	Mar 3, 2026
Instrument	2026053803
Transaction Type	Transfer
Record Updated	Mar 19, 2026
Title Company	LAKELAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8021 GLENRIDGE LOOP W, LAKELAND, FL 33809-1564

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6411 CROMWELL RD, LAKELAND, FL 33809-5601

Mortgage

Document Number	0013906657
Date	Mar 5, 2026
Instrument	13906/657

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	6411 CROMWELL RD, LAKELAND, FL 33809-5601
Document Number	0109961116
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	641 CROMWELL RD LAKELAND FL 33809, LAKELAND, FL 33809

Mortgage

Document Number	0109961116
Date	Oct 4, 2019
Book Page	010996/001116
Instrument	210999

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 3, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 6411 Cromwell Rd was $224.

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		$196,060 (+173.26%) Land $39,000 Building $157,060	$196,060 (-5.63%) Land $39,000 Building $157,060
2025	$224.00	$71,749	$207,753 Land $39,000 Building $168,753
2023	$682.00 (+1.64%) Homeowner's exemption	$67,696 (+3%)	$208,821 (+9.65%) Land $38,000 Building $170,821
2022	$671.00 Homeowner's exemption	$65,724	$190,441 Land $32,000 Building $158,441

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.

Flood

FEMA maps place 6411 Cromwell Rd in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1995.

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 File 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

Wildfire risk around 6411 Cromwell Rd 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 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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