7421 Willow Wisp Dr E, Lakeland, FL 33810 Property Records

Polk County property record for 7421 Willow Wisp Dr E, Lakeland, FL 33810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,109 sqft · built 1984
Lot Size	0.251 acres (10,947 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Dec 2021)
Tax Bill	$2,509 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-27-16-000981-000100`

Property Details

APN / Parcel Number

Primary APN	`23-27-16-000981-000100`
Alternative APNs	`162723000981000100` `62723000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,109 sqft Living Area
Gross Area	1,549 sqft
1st Floor Area	1,109 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	10,947 sqft (0.251 acres)
Lot Dimensions	146 ft deep x 75 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	336 sqft
Porch	Unfinished Open Porch
Porch Area	52 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	7421 WILLOW WISP DR E
City	LAKELAND
State	FL
Zip	33810-4444
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW WISP PHASE ONE PB 74 PG 18 LOT 10
Legal Range	23E
Legal Township	27S
Legal Section	16
Legal Subdivision	WILLOW WISP PHASE ONE
Legal Phase	1
Legal Tract	981
Legal Block	1
Legal Lot Number	10
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1001
Census Tract	12133

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	7421 WILLOW WISP DR E, LAKELAND, FL 33810-4444
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · Line of Credit TRACY FEDERAL CREDIT UNION
Jul 11, 2022	Deed of Trust, Mortgage · Line of Credit TRAX CREDIT UNION
Dec 30, 2021	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Aug 8, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Prior Sale	Apr 18, 2003 · Amount on Record
Deed Document Number	2021340354
Deed Book / Page	12051 / 1883
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Apr 15, 2026
Property Address	7421 WILLOW WISP DR E, LAKELAND, FL 33810-4444
Document Number	0000089129
Book / Page	13958 / 1303
Instrument Date	Apr 14, 2026
Instrument	202689129
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	7421 WILLOW WISP DR E, LAKELAND, FL 33810-4444

Mortgage

Document Number	0000089129,
Date	Apr 15, 2026
Book Page	13958/1303
Instrument	202689129

Lender

Name	TRACY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	7421 WILLOW WISP DR E, LAKELAND, FL 33810-4444
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7421 WILLOW WISP DR E, LAKELAND, FL 33810-4444

Mortgage

Document Number	0000187104
Date	Jul 11, 2022
Book Page	12331/695
Instrument	2022187104

Lender

Name	TRAX CREDIT UNION
Address	TAMPA, FL 33619

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 30, 2021
Property Address	7421 WILLOW WISP DR E, LAKELAND, FL 33810-4444
Document Number	0000340354
Book / Page	12051 / 1883
Map Reference	MB 74 PG 18
Instrument Date	Dec 29, 2021
Instrument	2021340354
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	HOME SOLUTION TITLE INC, HOME SOLUTION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10359 W HALLS RIVER RD, 10359, HOMOSASSA, FL 34448-3410

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7421 WILLOW WISP DR E, LAKELAND, FL 33810-4444

Mortgage

Document Number	0120511885
Date	Dec 30, 2021
Instrument	12051/1885

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	7421 WILLOW WISP DR E, LAKELAND, FL 33810-4444
Document Number	0109390002
Instrument Date	Aug 8, 2019
Transaction Type	Mortgage
Record Updated	Sep 2, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7421 WILLOW WISP DR E LAKELAND FL 338104444, LAKELAND, FL 33810-4444

Mortgage

Document Number	0109390002
Date	Aug 13, 2019
Book Page	010939/000002
Instrument	170144

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 12, 2034

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		$231,791 (-1.08%) Land $25,000 Building $206,791	$231,791 (-1.08%) Land $25,000 Building $206,791
2025	$2,509.00 (-23.08%) Homeowner's exemption	$234,321 (+0.79%) Land $25,000 Building $209,321	$234,321 (+0.79%) Land $25,000 Building $209,321
2024	$3,262.00 (+5.67%)
2023	$3,087.00 (-5.74%) Homeowner's exemption	$232,495 (+11.5%) Land $24,000 Building $208,495	$232,495 (+11.5%) Land $24,000 Building $208,495
2022	$3,275.00	$208,518 Land $20,000 Building $188,518	$208,518 Land $20,000 Building $188,518

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force

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	0.04% 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.

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 321 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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