Polk County property record for 704 E Carter Rd, Lakeland, FL 33813
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,559 sqft · built 1968 |
| Lot Size | 0.915 acres (39,857 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $205,000 (May 2018) |
| Tax Bill | $1,682 (2025) |
| Deeds & Mortgages | Apr 2021 Line of Credit Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-29-30-000000-031090 |
| Primary APN | 24-29-30-000000-031090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,559 sqft Living Area |
| Gross Area | 2,039 sqft |
| 1st Floor Area | 1,559 sqft |
| Flooring | Carpet |
| Interior Walls | Wood |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 39,857 sqft (0.915 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 360 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 251 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 704 E CARTER RD |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33813-4630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | BEG 416 FT W & 236.59 FT N OF SE COR OF NE1/4 OF NW1/4 RUN E 196 FT N 201.41 FT W 196 FT S 201.41 FT TO POB |
| Legal Range | 24E |
| Legal Township | 29S |
| Legal Section | 30 |
| Legal Subdivision | CHRISTINA VIEW ESTATES |
| Legal Tract | 000000 |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 11835 |
Source: Polk County records, as of October 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 704 E CARTER RD, LAKELAND, FL 33813-4630 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK & TRUST |
| Oct 7, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| May 31, 2018 | Warranty Deed, Transfer · FHA Mortgage SUCCESS MTG PTRS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2018 · Amount on File |
| Deed Sale | May 31, 2018 · Amount on File |
| Prior Sale | Dec 28, 2012 · Amount on File |
| Deed Document Number | 2018116723 |
| Deed Book / Page | 10502 / 1278 |
| Prior Transfer Date | May 23, 2018 |
| Prior Transfer Doc | 0000116723 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 704 E CARTER RD, LAKELAND, FL 33813-4630 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000100783 |
|---|---|
| Date | Apr 20, 2021 |
| Book Page | 11677/1012 |
| Instrument | 2021100783 |
| Name | CITIZENS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 704 E CARTER RD, LAKELAND, FL 33813-4630 |
| Document Number | 0114480507 |
| Instrument Date | Oct 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 704 E CARTER RD LAKELAND FL 338134630, LAKELAND, FL 33813-4630 |
| Document Number | 0114480507 |
|---|---|
| Date | Nov 9, 2020 |
| Book Page | 011448/000507 |
| Instrument | 239095 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 8, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 31, 2018 |
| Property Address | 704 E CARTER RD, LAKELAND, FL 33813-4630 |
| Document Number | 0105021278 |
| Book / Page | 010502 / 001278 |
| Instrument Date | May 23, 2018 |
| Instrument | 116723 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2018 |
| Title Company | SECURITY NATIONAL TITLE AND ESCROW, SECURITY NAT'L TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,435.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 704 E CARTER RD LAKELAND FL 338134630, LAKELAND, FL 33813-4630 |
| Document Number | 105021281 |
|---|---|
| Date | May 31, 2018 |
| Book Page | 010502/001281 |
| Instrument | 116724 |
| Name | SUCCESS MTG PTRS |
|---|---|
| Type | Mortgage Company |
| Address | PLYMOUTH, MI 48170 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 30, 2048 |
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 | $174,941 (+2.7%) | $278,295 (+3.49%) Land $54,900 Building $223,395 | |
| 2025 | $1,682.00 (-19.02%) Homeowner's exemption | $170,342 (+5.99%) | $268,917 (-1.92%) Land $54,900 Building $214,017 |
| 2023 | $2,077.00 (+3.64%) Homeowner's exemption | $160,719 (+3%) | $274,177 (+17.02%) Land $53,070 Building $221,107 |
| 2022 | $2,004.00 Homeowner's exemption | $156,038 | $234,293 Land $50,325 Building $183,968 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 61 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 61 in force |
| Nearby Flood Claims | 6 (1995–2024) |
| Claims Outside the SFHA | 2 of 6 |
| 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 | High above 74% of the US · above 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 236 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures