6809 Odoniel Loop W, Lakeland, FL 33809 Property Records

Polk County property record for 6809 Odoniel Loop W, Lakeland, FL 33809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,765 sqft · built 1987
Lot Size	1.08 acres (47,075 sqft)
Owner	Individual on Record
Last Sale	$263,000 (Sep 2020)
Tax Bill	$2,726 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2023 Line of Credit + 3 more
Flood Zone	Zone AE (high risk)
APN	`24-27-17-161100-000290`

Property Details

APN / Parcel Number

Primary APN	`24-27-17-161100-000290`
Alternative APNs	`172724161100000290` `72724000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,765 sqft Living Area
Gross Area	2,227 sqft
1st Floor Area	1,765 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	47,075 sqft
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	462 sqft
Porch	Screened/Unfinished Porch
Porch Area	314 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	6809 ODONIEL LOOP W
City	LAKELAND
State	FL
Zip	33809-4666
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY OAKS OF LAKELAND PB 77 PGS 2 & 3 LOT 29
Legal Range	24E
Legal Township	27S
Legal Section	17
Legal Subdivision	COUNTRY OAKS OF LAKELAND
Legal Tract	161100
Legal Block	1
Legal Lot Number	29
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1001
Census Tract	12304

Owner

Source: Polk County assessment roll, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	6809 ODONIEL LOOP W, LAKELAND, FL 33809-4666
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · Line of Credit SUNCOAST CREDIT UNION
Aug 31, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF CENTRAL FLORIDA
Jun 27, 2023	Intrafamily Transfer, Transfer VYLLA TITLE LLC
Sep 23, 2020	Warranty Deed, Transfer AMERIFIRST FIN'L CORP
May 2, 2018	Warranty Deed, Transfer · FHA Mortgage PACIFIC UNION FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2020 · Amount on Record
Deed Sale	Sep 23, 2020 · Amount on Record
Prior Sale	Sep 20, 2019 · Amount on Record
Deed Document Number	2020199186
Deed Book / Page	11386 / 1103
Last Transfer Date	Jun 7, 2023
Transfer Doc	0000150529
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Jul 7, 2026
Property Address	6809 ODONIEL LOOP W, LAKELAND, FL 33809-4666
Document Number	0000160410
Book / Page	14064 / 1259
Instrument Date	Jun 29, 2026
Instrument	2026160410
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6809 ODONIEL LOOP W, LAKELAND, FL 33809-4666

Mortgage

Document Number	0000160410,
Date	Jul 7, 2026
Book Page	14064/1259
Instrument	2026160410

Lender

Name	SUNCOAST CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	6809 ODONIEL LOOP W, LAKELAND, FL 33809-4666
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6809 ODONIEL LOOP W, LAKELAND, FL 33809-4666

Mortgage

Document Number	0000204443
Date	Aug 31, 2023
Book Page	12819/1651
Instrument	2023204443

Lender

Name	BANK OF CENTRAL FLORIDA
Type	Bank
Address	LAKELAND, FL 33813

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Jun 27, 2023
Property Address	6809 ODONIEL LOOP W, LAKELAND, FL 33809-4666
Document Number	0000150529
Book / Page	12743 / 1630
Map Reference	MB 77 PG 2&3
Instrument Date	Jun 7, 2023
Instrument	2023150529
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	VYLLA TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6809 ODONIEL LOOP W, LAKELAND, FL 33809-4666

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6809 ODONIEL LOOP W, LAKELAND, FL 33809-4666

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 23, 2020
Property Address	6809 ODONIEL LOOP W, LAKELAND, FL 33809-4666
Document Number	0113861103
Book / Page	011386 / 001103
Instrument Date	Sep 17, 2020
Instrument	199186
Transaction Type	Transfer
Record Updated	Oct 9, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,841.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	912 LEE AVE LEHIGH ACRES FL 339728306, LEHIGH ACRES, FL 33972-8306

Mortgage

Document Number	113861109
Date	Sep 23, 2020
Book Page	011386/001109
Instrument	199188

Lender

Name	AMERIFIRST FIN'L CORP
Address	KALAMAZOO, MI 49002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 2, 2018
Property Address	6809 ODONIEL LOOP W, LAKELAND, FL 33809-4666
Document Number	0104711086
Book / Page	010471 / 001086
Instrument Date	Apr 13, 2018
Instrument	93320
Transaction Type	Transfer
Record Updated	May 15, 2018
Title Company	ADVANTAGE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,476.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6809 ODONIEL LOOP W LAKELAND FL 338094666, LAKELAND, FL 33809-4666

Mortgage

Document Number	104711088
Date	May 2, 2018
Book Page	010471/001088
Instrument	93321

Lender

Name	PACIFIC UNION FIN'L
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$2,726.00 (-21.82%)	$251,063 (-3.65%) Land $50,000 Building $201,063	$251,063 (-3.65%) Land $50,000 Building $201,063
2024	$3,487.00 (+1.57%)
2023	$3,433.00 (+0.73%) Homeowner's exemption	$260,567 (+0.51%) Land $48,000 Building $212,567	$260,567 (+0.51%) Land $48,000 Building $212,567
2022	$3,408.00 Homeowner's exemption	$259,241 Land $40,000 Building $219,241	$259,241 Land $40,000 Building $219,241

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	132.9 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 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 Risk	Moderate above 44% of the US · lower than 85% 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.

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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