7243 Morning Dove Loop E, Lakeland, FL 33809 Property Records

Polk County property record for 7243 Morning Dove Loop E, Lakeland, FL 33809

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,084 sqft · built 1990
Lot Size	0.409 acres (17,803 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Sep 2015)
Tax Bill	$3,578 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-27-17-161104-000430`

Property Details

APN / Parcel Number

Primary APN	`24-27-17-161104-000430`
Alternative APNs	`172724161104000430` `72724000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,084 sqft Living Area
Gross Area	3,776 sqft
1st Floor Area	1,615 sqft
Upper Floors Area	1,469 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	17,803 sqft (0.409 acres)
Lot Dimensions	158 ft deep x 94 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	692 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	336 sqft
Porch	Finished/Open Porch
Porch Area	552 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	7243 MORNING DOVE LOOP E
City	LAKELAND
State	FL
Zip	33809-0851
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST LAKE ADDITION PB 84 PG 1 LOT 43
Legal Range	24E
Legal Township	27S
Legal Section	17
Legal Subdivision	FOREST LAKE ADDITION
Legal Tract	161104
Legal Block	2
Legal Lot Number	43
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7243 MORNING DOVE LOOP E, LAKELAND, FL 33809-0851
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Deed of Trust, Mortgage · Line of Credit CREWS BANK & TRUST
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC
May 31, 2019	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Jun 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW CMNTY CAP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2015 · Amount on Record
Deed Sale	Sep 23, 2015 · Amount on Record
Prior Sale	Jan 13, 2004 · Amount on Record
Deed Document Number	2015172625
Deed Book / Page	9633 / 1620
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	7243 MORNING DOVE LOOP E, LAKELAND, FL 33809-0851
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7243 MORNING DOVE LOOP E, LAKELAND, FL 33809-0851

Mortgage

Document Number	0000298434
Date	Dec 19, 2025
Book Page	13819/185
Instrument	2025298434

Lender

Name	CREWS BANK & TRUST
Type	Bank
Address	WAUCHULA, FL 33873

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 25, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	7243 MORNING DOVE LOOP E, LAKELAND, FL 33809-0851
Transaction Type	Mortgage
Record Updated	Nov 23, 2021
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7243 MORNING DOVE LOOP E, LAKELAND, FL 33809-0851

Mortgage

Document Number	0000291937
Date	Nov 9, 2021
Book Page	11973/1320
Instrument	2021291937

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	7243 MORNING DOVE LOOP E, LAKELAND, FL 33809-0851
Document Number	0108721766
Instrument Date	May 31, 2019
Transaction Type	Mortgage
Record Updated	Jun 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7243 MORNING DOVE LOOP E LAKELAND FL 338090851, LAKELAND, FL 33809-0851

Mortgage

Document Number	0108721766
Date	Jun 12, 2019
Book Page	010872/001766
Instrument	121619

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 11, 2039

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	7243 MORNING DOVE LOOP E, LAKELAND, FL 33809-0851
Document Number	0105350818
Instrument Date	Jun 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 16, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7243 MORNING DOVE LOOP E LAKELAND FL 338090851, LAKELAND, FL 33809-0851

Mortgage

Document Number	0105350818
Date	Jul 2, 2018
Book Page	010535/000818
Instrument	140376

Lender

Name	LAKEVIEW CMNTY CAP LLC
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2038

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		$325,553 (+2.7%)	$473,132 (+3.38%) Land $70,000 Building $403,132
2025	$3,578.00 (-9.99%) Homeowner's exemption	$316,994 (+5.99%)	$457,665 (-2.37%) Land $70,000 Building $387,665
2023	$3,975.00 (+3.3%) Homeowner's exemption	$299,087 (+3%)	$468,774 (+23.18%) Land $68,000 Building $400,774
2022	$3,848.00 Homeowner's exemption	$290,376	$380,568 Land $56,000 Building $324,568

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% 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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