855 Harmony Hills Loop, Lakeland, FL 33805 Property Records

Polk County property record for 855 Harmony Hills Loop, Lakeland, FL 33805

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,478 sqft · built 2000
Lot Size	0.168 acres (7,336 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (Mar 2001)
Tax Bill	$862 (2025)
Deeds & Mortgages	Jun 2021 Reverse Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-28-12-057102-000130`

Property Details

APN / Parcel Number

Primary APN	`23-28-12-057102-000130`
Alternative APNs	`122823057102000130` `22823000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,478 sqft Living Area
Gross Area	1,919 sqft
1st Floor Area	1,478 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	7,336 sqft (0.168 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch
Porch Area	114 sqft
Shed	1 Shed

Location & Zoning

Street Address	855 HARMONY HILLS LOOP
City	LAKELAND
State	FL
Zip	33805-2719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA4
Legal Description	HARMONY HILLS PB 106 PGS 32 & 33 LOT 13
Legal Range	23E
Legal Township	28S
Legal Section	12
Legal Subdivision	HARMONY HILLS
Legal Tract	57102
Legal Block	1
Legal Lot Number	13
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1002
Census Tract	11203

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	855 HARMONY HILLS LOOP, LAKELAND, FL 33805-2719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Intrafamily Transfer, Transfer · Reverse Mortgage AMERICAN ADVISORS GROUP
Mar 19, 2018	Grant Deed, Subdivision Related Transfer · Conventional with PMI DH MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2001 · Amount on Record
Deed Sale	Mar 8, 2001 · Amount on Record
Prior Sale	Dec 22, 2000 · Amount on Record
Deed Book / Page	4644 / 1341
Last Transfer Date	May 17, 2021
Transfer Doc	0000141242
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Jun 1, 2021
Property Address	855 HARMONY HILLS LOOP, LAKELAND, FL 33805-2719
Document Number	0000141242
Book / Page	11738 / 1841
Map Reference	MB 106 PG 32
Instrument Date	May 17, 2021
Instrument	2021141242
Transaction Type	Transfer
Record Updated	Apr 17, 2023
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	855 HARMONY HILLS LOOP, LAKELAND, FL 33805-2719

Mortgage

Document Number	0117381843
Date	Jun 1, 2021
Instrument	11738/1843

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.07%
Change Frequency	Annually
Index	LIBOR

March 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Mar 19, 2018
Property Address	855 HARMONY HILLS LOOP, LAKELAND, FL 33805-2719
Document Number	0104270503
Book / Page	010427 / 000503
Instrument Date	Mar 14, 2018
Instrument	59055
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 2, 2018
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,854.93
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12400 CHELTON LN BOWIE MD 207151533, BOWIE, MD 20715-1533

Mortgage

Document Number	104270504
Date	Mar 19, 2018
Book Page	010427/000504
Instrument	59056

Lender

Name	DH MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2048

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Lakeland City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$93,436 (+2.7%)	$213,572 (+6.31%) Land $25,000 Building $188,572
2025	$862.00 (+8.84%) Homeowner's exemption	$90,980 (+5.73%)	$200,897 (-2.96%) Land $25,000 Building $175,897
2023	$792.00 (+5.04%) Homeowner's exemption	$86,049 (+3%)	$207,030 (+18.31%) Land $24,000 Building $183,030
2022	$754.00 Homeowner's exemption	$83,543	$174,991 Land $20,000 Building $154,991

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 7 (15% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2026

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	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	CITY OF LAKELAND serves 193,297 people · EPA ID FL6531014
Water Source	Groundwater
Last State Inspection	Jul 2022
Lead	Under 1 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	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 498 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Tillman Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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