4448 Flintlock Loop, Lakeland, FL 33810 Property Records

Polk County property record for 4448 Flintlock Loop, Lakeland, FL 33810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,287 sqft · built 1993
Lot Size	3.28 acres (143,138 sqft)
Owner	2 Individual Names on File
Last Sale	$515,000 (Aug 2021)
Tax Bill	$3,541 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Aug 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-28-08-024530-000810`

Property Details

APN / Parcel Number

Primary APN	`23-28-08-024530-000810`
Alternative APNs	`082823024530000810` `82823000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,287 sqft Living Area
Gross Area	2,807 sqft
1st Floor Area	2,287 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2000
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Tile
Lot Area	143,138 sqft
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	520 sqft
Porch	Screened/Unfinished Porch
Porch Area	346 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4448 FLINTLOCK LOOP
City	LAKELAND
State	FL
Zip	33810-0102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	ITCHEPACKESASSA CREEK UNIT 3 PB 67 PG 12 LOT 81
Legal Range	23E
Legal Township	28S
Legal Section	08
Legal Subdivision	ITCHEPACKESASSA CREEK UNIT THREE
Legal Tract	24530
Legal Block	4
Legal Lot Number	81
Legal Unit	3
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	4
Census Block	4008
Census Tract	12001

Owner

Source: Polk County records · APN 23-28-08-024530-000810

Assessment roll updated June 23, 2026 · Last verified July 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 File
Mailing Address	4448 FLINTLOCK LOOP, LAKELAND, FL 33810-0102
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 31, 2021	Warranty Deed, Transfer WATSON TITLE SERVICES INC
May 08, 2018	Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 31, 2021 · Amount on Record
Deed Sale	Aug 31, 2021 · Amount on Record
Prior Sale	May 08, 2018 · Amount on Record
Deed Document Number	2021227935
Deed Book / Page	11872 / 1438
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4448 FLINTLOCK LOOP, LAKELAND, FL 33810-0102
Transaction Type	Mortgage
Record Updated	Dec 07, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4448 FLINTLOCK LOOP, LAKELAND, FL 33810-0102

Mortgage

Document Number	0000305690
Date	Nov 23, 2022
Book Page	12494/802
Instrument	2022305690

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Nov 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 31, 2021
Property Address	4448 FLINTLOCK LOOP, LAKELAND, FL 33810-0102
Document Number	0000227935
Book / Page	11872 / 1438
Map Reference	MB 67 PG 12
Instrument Date	Aug 24, 2021
Instrument	2021227935
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$3,605.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6130 GREENFIELD RD, 6130, LAKELAND, FL 33810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4448 FLINTLOCK LOOP, LAKELAND, FL 33810-0102

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 08, 2018
Property Address	4448 FLINTLOCK LOOP, LAKELAND, FL 33810-0102
Document Number	0104781747
Book / Page	010478 / 001747
Instrument Date	Apr 30, 2018
Instrument	98606
Transaction Type	Transfer
Record Updated	May 24, 2018
Title Company	UNITED TITLE GROUP/LAKELAND LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 LEE ROAD 724 SALEM AL 368743136, SALEM, AL 36874-3136

Mortgage

Document Number	104781750
Date	May 08, 2018
Book Page	010478/001750
Instrument	98607

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 07, 2048

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,541.00 (-9.39%) Homeowner's exemption	$314,077 (+5.99%)	$461,644 (-1.44%) Land $95,510 Building $366,134
2023	$3,908.00 (+2.68%) Homeowner's exemption	$296,335 (+3%)	$468,396 (+11.41%) Land $92,365 Building $376,031
2022	$3,806.00 Homeowner's exemption	$287,704	$420,441 Land $77,266 Building $343,175

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), as of October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050120014, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 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	Hurricane Milton, Oct 2024 · 40 claims Hurricane Irma, Sep 2017 · 5 claims

Wildfire

Wildfire Risk	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 64 locations within half a mile of this property.

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