Polk County property record for 4437 Flintlock Loop, Lakeland, FL 33810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,795 sqft · built 1994 |
| Lot Size | 1.1 acres (47,999 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $289,900 (Apr 2019) |
| Tax Bill | $3,296 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage May 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-28-08-024530-000890 |
| Primary APN | 23-28-08-024530-000890 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,795 sqft Living Area |
| Gross Area | 3,367 sqft |
| 1st Floor Area | 2,795 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 47,999 sqft |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Porch | Screened/Unfinished Porch |
|---|---|
| Porch Area | 280 sqft |
| Patio Area | 240 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 4437 FLINTLOCK LOOP |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33810-0157 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Description | ITCHEPACKESASSA CREEK UNIT 3 PB 67 PG 12 LOT 89 |
| Legal Range | 23E |
| Legal Township | 28S |
| Legal Section | 08 |
| Legal Subdivision | ITCHEPACKESASSA CREEK UNIT THREE |
| Legal Tract | 24530 |
| Legal Block | 4 |
| Legal Lot Number | 89 |
| Legal Unit | 3 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 12001 |
Source: Polk County records, as of October 8, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4437 FLINTLOCK LOOP, LAKELAND, FL 33810-0157 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 14, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 17, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 8, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 14, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Apr 29, 2019 | Warranty Deed, Transfer · FHA Mortgage FBC MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 29, 2019 · Amount on Record |
| Deed Sale | Apr 29, 2019 · Amount on Record |
| Deed Document Number | 201986437 |
| Deed Book / Page | 10823 / 1958 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4437 FLINTLOCK LOOP, LAKELAND, FL 33810-0157 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4437 FLINTLOCK LOOP, LAKELAND, FL 33810-0157 |
| Document Number | 0000267860 |
|---|---|
| Date | Nov 14, 2023 |
| Book Page | 12907/1035 |
| Instrument | 2023267860 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 327 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4437 FLINTLOCK LOOP, LAKELAND, FL 33810-0157 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4437 FLINTLOCK LOOP, LAKELAND, FL 33810-0157 |
| Document Number | 0000115328 |
|---|---|
| Date | May 17, 2023 |
| Book Page | 12694/1592 |
| Instrument | 2023115328 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 333 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4437 FLINTLOCK LOOP, LAKELAND, FL 33810-0157 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4437 FLINTLOCK LOOP, LAKELAND, FL 33810-0157 |
| Document Number | 0000031975 |
|---|---|
| Date | Feb 8, 2021 |
| Book Page | 11571/1214 |
| Instrument | 2021031975 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOORESTOWN, NJ 08057 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4437 FLINTLOCK LOOP, LAKELAND, FL 33810-0157 |
| Document Number | 0111541419 |
| Instrument Date | Feb 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 4437 FLINTLOCK LOOP LAKELAND FL 338100157, LAKELAND, FL 33810-0157 |
| Document Number | 0111541419 |
|---|---|
| Date | Feb 26, 2020 |
| Book Page | 011154/001419 |
| Instrument | 44398 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 25, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 29, 2019 |
| Property Address | 4437 FLINTLOCK LOOP, LAKELAND, FL 33810-0157 |
| Document Number | 0108231958 |
| Book / Page | 010823 / 001958 |
| Instrument Date | Apr 23, 2019 |
| Instrument | 86437 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2019 |
| Title Company | SMART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,029.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4437 FLINTLOCK LOOP LAKELAND FL 338100157, LAKELAND, FL 33810-0157 |
| Document Number | 108231960 |
|---|---|
| Date | Apr 29, 2019 |
| Book Page | 010823/001960 |
| Instrument | 86438 |
| Name | FBC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32804 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 28, 2049 |
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 | $303,097 (+2.7%) | $412,168 (+0.61%) Land $55,200 Building $356,968 | |
| 2025 | $3,296.00 (-8.98%) Homeowner's exemption | $295,129 (+5.99%) | $409,661 (-2.68%) Land $57,200 Building $352,461 |
| 2023 | $3,621.00 (+2.78%) Homeowner's exemption | $278,457 (+3%) | $420,930 (+12.16%) Land $55,000 Building $365,930 |
| 2022 | $3,523.00 Homeowner's exemption | $270,347 | $375,281 Land $46,200 Building $329,081 |
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 157 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 157 in force |
| Nearby Flood Claims | 47 (2017–2024) |
| Claims Outside the SFHA | 4 of 47 |
| 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 | Moderate above 61% of the US · lower than 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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