Polk County property record for 2315 Timbercreek Loop E, Lakeland, FL 33805
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,002 sqft · built 1991 |
| Lot Size | 0.206 acres (8,978 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $139,900 (Apr 2019) |
| Tax Bill | $1,126 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Apr 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-28-02-164950-000390 |
| Primary APN | 24-28-02-164950-000390 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,002 sqft Living Area |
| Gross Area | 1,277 sqft |
| 1st Floor Area | 1,002 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,978 sqft (0.206 acres) |
| Lot Dimensions | 111 ft deep x 89 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 275 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 44 sqft |
| Cooling System | Central |
|---|
| Street Address | 2315 TIMBERCREEK LOOP E |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33805-8577 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TIMBERCREEK SUB PB 76 PG 31 LOT 39 LESS THAT PT DESC AS FOLL: BEGIN AT NE COR OF LOT 39 S00-04-54W ALG E LINE THEREOF 18.00 FT S86-50-55W 114.26 FT TO NW COR OF LOT 39 N77-59-16E ALG N LINE OF LOT 39 116.67 FT TO POB |
| Legal Range | 24E |
| Legal Township | 28S |
| Legal Section | 02 |
| Legal Subdivision | TIMBERCREEK SUBDIVISION |
| Legal Tract | 164950 |
| Legal Block | 1 |
| Legal Lot Number | 39 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1060 |
| Census Tract | 11606 |
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 | 2315 TIMBERCREEK LOOP E, LAKELAND, FL 33805-8577 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 21, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Apr 18, 2019 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MTG |
| Dec 14, 2018 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 18, 2019 · Amount on Record |
| Deed Sale | Apr 18, 2019 · Amount on Record |
| Prior Sale | Apr 4, 2013 |
| Deed Document Number | 201979444 |
| Deed Book / Page | 10814 / 1505 |
| Prior Transfer Date | Oct 1, 2018 |
| Prior Transfer Doc | 0000259601 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2315 TIMBERCREEK LOOP E, LAKELAND, FL 33805-8577 |
| Document Number | 0111580189 |
| Instrument Date | Feb 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2315 TIMBERCREEK LOOP E LAKELAND FL 338058577, LAKELAND, FL 33805-8577 |
| Document Number | 0111580189 |
|---|---|
| Date | Feb 28, 2020 |
| Book Page | 011158/000189 |
| Instrument | 46822 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 27, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 18, 2019 |
| Property Address | 2315 TIMBERCREEK LOOP E, LAKELAND, FL 33805-8577 |
| Document Number | 0108141505 |
| Book / Page | 010814 / 001505 |
| Instrument Date | Apr 15, 2019 |
| Instrument | 79444 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2019 |
| Title Company | INTEGRITY FIRST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $979.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2315 TIMBERCREEK LOOP E LAKELAND FL 338058577, LAKELAND, FL 33805-8577 |
| Document Number | 108141507 |
|---|---|
| Date | Apr 18, 2019 |
| Book Page | 010814/001507 |
| Instrument | 79445 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 17, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 14, 2018 |
| Property Address | 2315 TIMBERCREEK LOOP E, LAKELAND, FL 33805-8577 |
| Document Number | 0106981094 |
| Book / Page | 010698 / 001094 |
| Instrument Date | Oct 1, 2018 |
| Instrument | 259601 |
| Transaction Type | Transfer |
| Record Updated | Jan 2, 2019 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9110 DAMASCUS AVE POLK CITY FL 338689512, POLK CITY, FL 33868-9512 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $130,763 (+2.7%) | $188,378 (-0.24%) Land $31,000 Building $157,378 | |
| 2025 | $1,126.00 (-27.87%) Homeowner's exemption | $127,325 (+6.83%) | $188,836 (-2.73%) Land $31,000 Building $157,836 |
| 2023 | $1,561.00 (+4.98%) Homeowner's exemption | $119,189 (+3%) | $194,129 (+20.07%) Land $30,000 Building $164,129 |
| 2022 | $1,487.00 Homeowner's exemption | $115,717 | $161,681 Land $16,000 Building $145,681 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 5 (2024) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 73% of the US · above 57% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 149 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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