643 Cockatoo Loop, Lakeland, FL 33809 Property Records

Polk County property record for 643 Cockatoo Loop, Lakeland, FL 33809

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,052 sqft · built 1995
Lot Size	0.119 acres (5,179 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Oct 2020)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-27-19-161361-000440`

Property Details

APN / Parcel Number

Primary APN	`24-27-19-161361-000440`
Alternative APNs	`192724161361000440` `92724000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,052 sqft Living Area
Gross Area	1,448 sqft
1st Floor Area	1,052 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,179 sqft (0.119 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	396 sqft
Porch	Screened/Unfinished Porch
Porch Area	275 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	643 COCKATOO LOOP
City	LAKELAND
State	FL
Zip	33809-7604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SANDPIPER GOLF AND COUNTRY CLUB PHASE ELEVEN PB 92 PGS 34-35 LOT 44
Legal Range	24E
Legal Township	27S
Legal Section	19
Legal Subdivision	SANDPIPER GOLF AND COUNTRY CLUB PHASE 11
Legal Phase	11
Legal Tract	161361
Legal Block	1
Legal Lot Number	44
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1016
Census Tract	12207

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	643 COCKATOO LOOP, LAKELAND, FL 33809-7604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2020 · Amount on Record
Deed Sale	Oct 29, 2020 · Amount on Record
Prior Sale	Dec 20, 1994 · Amount on Record
Deed Document Number	2020230276
Deed Book / Page	11434 / 740
Prior Transfer Date	Sep 5, 2012
Prior Transfer Doc	0000162291
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 29, 2020
Property Address	643 COCKATOO LOOP, LAKELAND, FL 33809-7604
Document Number	0114340740
Book / Page	011434 / 000740
Instrument Date	Oct 22, 2020
Instrument	230276
Transaction Type	Transfer
Record Updated	Nov 11, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	643 COCKATOO LOOP LAKELAND FL 338097604, LAKELAND, FL 33809-7604

Mortgage

Document Number	114340742
Date	Oct 29, 2020
Book Page	011434/000742
Instrument	230277

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2050

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Lakeland City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$97,341 (+2.7%)	$187,013 (-1.9%) Land $50,000 Building $137,013
2025	Homeowner's exemption	$94,782 (+5.99%)	$190,633 (+0.68%) Land $50,000 Building $140,633
2023	Homeowner's exemption	$89,428	$189,353 Land $48,000 Building $141,353

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 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 in force

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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% 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	CITY OF LAKELAND serves 193,297 people · EPA ID FL6531014
Water Source	Groundwater
Last State Inspection	Jul 2022
Lead	Under 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	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20