7203 Morning Dove Loop E, Lakeland, FL 33809 Property Records

Polk County property record for 7203 Morning Dove Loop E, Lakeland, FL 33809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,522 sqft · built 1990
Lot Size	0.506 acres (22,037 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Mar 2021)
Tax Bill	$3,811 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Apr 2018 Line of Credit + 2 more
Flood Zone	Zone A (high risk)
APN	`24-27-17-161104-000480`

Property Details

APN / Parcel Number

Primary APN	`24-27-17-161104-000480`
Alternative APNs	`172724161104000480` `72724000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,522 sqft Living Area
Gross Area	3,097 sqft
1st Floor Area	2,522 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	22,037 sqft (0.506 acres)
Lot Dimensions	354 ft deep x 75 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	575 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	450 sqft
Porch	Finished/Open Porch
Porch Area	648 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	7203 MORNING DOVE LOOP E
City	LAKELAND
State	FL
Zip	33809-0849
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST LAKE ADDITION PB 84 PG 1 LOT 48
Legal Range	24E
Legal Township	27S
Legal Section	17
Legal Subdivision	FOREST LAKE ADDITION
Legal Tract	161104
Legal Block	2
Legal Lot Number	48
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2018
Census Tract	12304

Owner

Source: Polk County records, as of September 28, 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 Record
Mailing Address	7203 MORNING DOVE LOOP E, LAKELAND, FL 33809-0849
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Apr 27, 2018	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Feb 8, 2018	Quit Claim Deed, Mortgage · Conventional Mortgage PROVIDENT FNDG
Mar 15, 2017	Warranty Deed, Transfer · Conventional with PMI STONEGATE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2021 · Amount on Record
Deed Sale	Mar 1, 2021 · Amount on Record
Prior Sale	Mar 15, 2017 · Amount on Record
Deed Document Number	202151539
Deed Book / Page	11600 / 1495
Prior Transfer Date	Jan 27, 2018
Prior Transfer Doc	0000029715
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 1, 2021
Property Address	7203 MORNING DOVE LOOP E, LAKELAND, FL 33809-0849
Document Number	0000051539
Book / Page	11600 / 1495
Map Reference	MB 84 PG 1
Instrument Date	Feb 26, 2021
Instrument	2021051539
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	508 WINDERMERE DR, 508, LAKELAND, FL 33809-3361

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 PRESCOTT LOOP, LAKELAND, FL 33810-2778

Mortgage

Document Number	0116001497
Date	Mar 1, 2021
Instrument	11600/1497

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	7203 MORNING DOVE LOOP E, LAKELAND, FL 33809-0849
Document Number	0104811467
Instrument Date	Apr 27, 2018
Transaction Type	Mortgage
Record Updated	Jun 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7203 MORNING DOVE LOOP E LAKELAND FL 338090849, LAKELAND, FL 33809-0849

Mortgage

Document Number	0104811467
Date	May 10, 2018
Book Page	010481/001467
Instrument	100787

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 9, 2038

Interest

Rate Type	Adjustable Rate

February 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Feb 8, 2018
Property Address	7203 MORNING DOVE LOOP E, LAKELAND, FL 33809-0849
Document Number	0103911600
Book / Page	010391 / 001600
Instrument Date	Jan 27, 2018
Instrument	29715
Transaction Type	Mortgage
Record Updated	Feb 22, 2018
Title Company	SAFE HARBOR TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7203 MORNING DOVE LOOP E LAKELAND FL 338090849, LAKELAND, FL 33809-0849

Mortgage

Document Number	103911602
Date	Feb 8, 2018
Book Page	010391/001602
Instrument	29716

Lender

Name	PROVIDENT FNDG
Type	Funding / Finance Company
Address	ATLANTA, GA 30326

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 7, 2048

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 15, 2017
Property Address	7203 MORNING DOVE LOOP E, LAKELAND, FL 33809-0849
Document Number	0100912181
Book / Page	010091 / 002181
Instrument Date	Mar 6, 2017
Instrument	50240
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7203 MORNING DOVE LOOP E LAKELAND FL 338090849, LAKELAND, FL 33809-0849

Mortgage

Document Number	100912182
Date	Mar 15, 2017
Book Page	010091/002182
Instrument	50241

Lender

Name	STONEGATE MTG
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46240-1437

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2047

Tax Assessment & Valuation

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		$344,071 (+2.7%)	$393,043 (+3.99%) Land $70,000 Building $323,043
2025	$3,811.00 (-9.22%) Homeowner's exemption	$335,025 (+5.99%)	$377,971 (-3.18%) Land $70,000 Building $307,971
2023	$4,198.00 (+3.22%) Homeowner's exemption	$316,100 (+3%)	$390,398 (+12.75%) Land $68,000 Building $322,398
2022	$4,067.00 Homeowner's exemption	$306,893	$346,253 Land $56,000 Building $290,253

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.07% 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 177 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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