7528 Willow Wisp Dr E, Lakeland, FL 33810 Property Records

Polk County property record for 7528 Willow Wisp Dr E, Lakeland, FL 33810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,216 sqft · built 1985
Lot Size	0.33 acres (14,362 sqft)
Owner	2 Company Names on Record
Last Sale	$285,000 (Oct 2022)
Tax Bill	$2,998 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Oct 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-27-16-000983-000550`

Property Details

APN / Parcel Number

Primary APN	`23-27-16-000983-000550`
Alternative APNs	`162723000983000550` `62723000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,216 sqft Living Area
Gross Area	1,368 sqft
1st Floor Area	1,072 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	14,362 sqft (0.33 acres)
Lot Dimensions	221 ft deep x 65 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	296 sqft
Porch	Screened/Unfinished Porch
Porch Area	276 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	7528 WILLOW WISP DR E
City	LAKELAND
State	FL
Zip	33810-4413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW WISP PHASE TWO PB 76 PG 24 LOT 55
Legal Range	23E
Legal Township	27S
Legal Section	16
Legal Subdivision	WILLOW WISP PHASE TWO
Legal Phase	2
Legal Tract	983
Legal Block	1
Legal Lot Number	55
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 Company Names on Record
Mailing Address	PO BOX 547945, ORLANDO, FL 32854-7945
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2024	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Oct 20, 2022	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Oct 27, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jul 11, 2019	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2022 · Amount on Record
Deed Sale	Oct 20, 2022 · Amount on Record
Prior Sale	Jul 11, 2019 · Amount on Record
Deed Document Number	2022277490
Deed Book / Page	12456 / 1681
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	7528 WILLOW WISP DR E, LAKELAND, FL 33810-4413
Transaction Type	Mortgage
Record Updated	Mar 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7528 WILLOW WISP DR E, LAKELAND, FL 33810-4413

Mortgage

Document Number	0000050623
Date	Mar 5, 2024
Book Page	13027/1533
Instrument	2024050623

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Nov 1, 2052

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 20, 2022
Property Address	7528 WILLOW WISP DR E, LAKELAND, FL 33810-4413
Document Number	0000277490
Book / Page	12456 / 1681
Map Reference	MB 76 PG 24
Instrument Date	Oct 14, 2022
Instrument	2022277490
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	SMART TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8822 PINE TREE DR, 8822, LAKELAND, FL 33809-1668

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7528 WILLOW WISP DR E, LAKELAND, FL 33810-4413

Mortgage

Document Number	0124561683
Date	Oct 20, 2022
Instrument	12456/1683

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Mortgage

Document Number	0000277492
Date	Oct 20, 2022
Book Page	12456/1696
Instrument	2022277492

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	7528 WILLOW WISP DR E, LAKELAND, FL 33810-4413
Document Number	0114452034
Instrument Date	Oct 27, 2020
Transaction Type	Mortgage
Record Updated	Nov 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7528 WILLOW WISP DR E LAKELAND FL 338104413, LAKELAND, FL 33810-4413

Mortgage

Document Number	0114452034
Date	Nov 6, 2020
Book Page	011445/002034
Instrument	237620

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 11, 2019
Property Address	7528 WILLOW WISP DR E, LAKELAND, FL 33810-4413
Document Number	0109030466
Book / Page	010903 / 000466
Instrument Date	Jul 11, 2019
Instrument	144098
Transaction Type	Transfer
Record Updated	Jul 26, 2019
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,134.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7528 WILLOW WISP DR E LAKELAND FL 338104413, LAKELAND, FL 33810-4413

Mortgage

Document Number	109030468
Date	Jul 11, 2019
Book Page	010903/000468
Instrument	144099

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2049

Mortgage

Document Number	109030485,
Date	Jul 11, 2019
Book Page	010903/000485
Instrument	144100

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2049

Interest

Rate	12%

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		$191,313 (-17.52%) Land $25,000 Building $166,313	$191,313 (-17.52%) Land $25,000 Building $166,313
2025	$2,998.00 (-3.54%)	$231,957 (-1.92%) Land $25,000 Building $206,957	$231,957 (-1.92%) Land $25,000 Building $206,957
2023	$3,108.00 (+33.85%) Homeowner's exemption	$236,487 (+32.77%) Land $24,000 Building $212,487	$236,487 (+32.77%) Land $24,000 Building $212,487
2022	$2,322.00 Homeowner's exemption	$178,118 Land $20,000 Building $158,118	$178,118 Land $20,000 Building $158,118

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
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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