Polk County property record for 709 Lamp Post Ln, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,913 sqft · built 1990 |
| Lot Size | 0.323 acres (14,048 sqft) |
| Owner | Individual Name on File |
| Last Sale | $330,900 (Dec 2022) |
| Tax Bill | $2,969 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Dec 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-18-161212-000380 |
| Primary APN | 24-27-18-161212-000380 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,913 sqft Living Area |
| Gross Area | 2,415 sqft |
| 1st Floor Area | 1,913 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 14,048 sqft (0.323 acres) |
| Lot Dimensions | 140 ft deep x 82 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 502 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 285 sqft |
| Cooling System | Central |
|---|
| Street Address | 709 LAMP POST LN |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-6614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LEXINGTON GREEN PB 86 PG 34 LOT 38 |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 18 |
| Legal Subdivision | LEXINGTON GREEN |
| Legal Tract | 161212 |
| Legal Block | 2 |
| Legal Lot Number | 38 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 12303 |
709 Lamp Post Ln is owned and occupied by an individual who bought it in December 2022.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 709 LAMP POST LN, LAKELAND, FL 33809-6614 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 7, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Dec 28, 2022 | Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Jun 12, 2020 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK NA |
| Apr 11, 2018 | Warranty Deed, Transfer · FHA Mortgage NEW PENN FIN'L LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2022 · Amount on File |
| Deed Sale | Dec 28, 2022 · Amount on File |
| Prior Sale | Apr 11, 2018 · Amount on File |
| Deed Document Number | 2022332576 |
| Deed Book / Page | 12531 / 915 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 7, 2026 |
| Property Address | 709 LAMP POST LN, LAKELAND, FL 33809-6614 |
| Document Number | 0000161337 |
| Book / Page | 14066 / 197 |
| Instrument Date | Jun 5, 2026 |
| Instrument | 2026161337 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 709 LAMP POST LN, LAKELAND, FL 33809-6614 |
| Document Number | 0000161337, |
|---|---|
| Date | Jul 7, 2026 |
| Book Page | 14066/197 |
| Instrument | 2026161337 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 318 Months |
| Due | Jan 1, 2053 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 28, 2022 |
| Property Address | 709 LAMP POST LN, LAKELAND, FL 33809-6614 |
| Document Number | 0000332576 |
| Book / Page | 12531 / 915 |
| Map Reference | MB 86 PG 34 |
| Instrument Date | Dec 27, 2022 |
| Instrument | 2022332576 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Title Company | TITLE SLN GROUP OF FLORDA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,316.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9507 BRENDA ANN RD, CHARLOTTE, NC 28214-3300 |
| Name | Verified Name |
|---|---|
| Address | 709 LAMP POST LN, LAKELAND, FL 33809-6614 |
| Document Number | 0000332577 |
|---|---|
| Date | Dec 28, 2022 |
| Book Page | 12531/917 |
| Instrument | 2022332577 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 709 LAMP POST LN, LAKELAND, FL 33809-6614 |
| Document Number | 0113630002 |
| Instrument Date | Jun 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2020 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 709 LAMP POST LN LAKELAND FL 338096614, LAKELAND, FL 33809-6614 |
| Document Number | 0113630002 |
|---|---|
| Date | Sep 3, 2020 |
| Book Page | 011363/000002 |
| Instrument | 183361 |
| Name | FIFTH THIRD BK NA |
|---|---|
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 2, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 11, 2018 |
| Property Address | 709 LAMP POST LN, LAKELAND, FL 33809-6614 |
| Document Number | 0104511099 |
| Book / Page | 010451 / 001099 |
| Instrument Date | Apr 4, 2018 |
| Instrument | 77590 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,225.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 709 LAMP POST LN LAKELAND FL 338096614, LAKELAND, FL 33809-6614 |
| Document Number | 104511100 |
|---|---|
| Date | Apr 11, 2018 |
| Book Page | 010451/001100 |
| Instrument | 77591 |
| Name | NEW PENN FIN'L LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | PLYMOUTH MEETING, PA 19462 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 10, 2048 |
The 2025 property tax bill for 709 Lamp Post Ln was $2,969 with a homeowner's exemption.
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 | $277,137 (+2.7%) | $281,934 (+4.48%) Land $37,000 Building $244,934 | |
| 2025 | $2,969.00 Homeowner's exemption | $269,851 Land $37,000 Building $232,851 | $269,851 Land $37,000 Building $232,851 |
| 2023 | $3,580.00 (+43.54%) Homeowner's exemption | $270,813 (+42.69%) Land $36,000 Building $234,813 | $270,813 (+12.18%) Land $36,000 Building $234,813 |
| 2022 | $2,494.00 Homeowner's exemption | $189,792 | $241,414 Land $30,000 Building $211,414 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 709 Lamp Post Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1998.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (1998–2024) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 risk around 709 Lamp Post Ln is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 400 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 |
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