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5584 Starling Loop, Lakeland, FL 33810 Property Records

Polk County property record for 5584 Starling Loop, Lakeland, FL 33810

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,328 sqft · built 2000
Lot Size0.173 acres (7,540 sqft)
Owner2 Individual Names on Record
Last Sale$270,000 (Sep 2025)
Tax Bill$872 (2025)
Deeds & MortgagesNov 2021 Mortgage
Sep 2025 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN23-27-23-008001-000200

Property Details

APN / Parcel Number

Primary APN23-27-23-008001-000200
Alternative APN
  • 32723000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,328 sqft Living Area
Gross Area1,768 sqft
1st Floor Area1,328 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area7,540 sqft (0.173 acres)
Lot Dimensions116 ft deep x 65 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area440 sqft
PorchScreened/Unfinished Porch
Porch Area25 sqft

Location & Zoning

Street Address5584 STARLING LOOP
CityLAKELAND
StateFL
Zip33810-3149
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTARLING PLACE PB 106 PGS 50 & 51 LOT 20
Legal Range23E
Legal Township27S
Legal Section23
Legal SubdivisionSTARLING PLACE
Legal Tract8001
Legal Block2
Legal Lot Number20
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group2
Census Block2014
Census Tract12113

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 Record2 Individual Names on Record
Mailing Address935 PROVIDENCE RESERVE LOOP, LAKELAND, FL 33805-1408
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

DateDocument
Nov 16, 2021Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Sep 23, 2025Warranty Deed, Transfer · FHA Mortgage
SOUTHSTATE BANK NA
Mar 18, 2019Quit Claim Deed, Transfer
CARDINAL FIN'L

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 23, 2025 · Amount on Record
Deed SaleSep 23, 2025 · Amount on Record
Prior SaleMar 18, 2019 · Amount on Record
Deed Document Number2025222763
Deed Book / Page13708 / 842
Prior Transfer DateMar 11, 2019
Prior Transfer Doc0000053813
Record UpdatedOct 29, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address5584 STARLING LOOP, LAKELAND, FL 33810-3149
Transaction TypeMortgage
Record UpdatedOct 29, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address5584 STARLING LOOP, LAKELAND, FL 33810-3149

Mortgage

Document Number0000298679
DateNov 16, 2021
Book Page11984/876
Instrument2021298679
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueDec 1, 2036

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateSep 23, 2025
Property Address5584 STARLING LOOP, LAKELAND, FL 33810-3149
Document Number0000222763
Book / Page13708 / 842
Map ReferenceMB 106 PG 50
Instrument DateSep 10, 2025
Instrument2025222763
Transaction TypeTransfer
Record UpdatedOct 29, 2025
Title CompanyUNKNOWN, GREEN LINE TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,890.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2257 LONZ1EAF CIRCLE, LAKELAND, FL 33810

Transferred To (Grantee/Buyer)

NameVerified Name
Address935 PROVIDENCE RESERVE LOOP, LAKELAND, FL 33805-1408

Mortgage

Document Number0013708844
DateSep 23, 2025
Instrument13708/844
Lender
NameSOUTHSTATE BANK NA
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2055

March 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateMar 18, 2019
Property Address5584 STARLING LOOP, LAKELAND, FL 33810-3149
Document Number0107802086
Book / Page010780 / 002086
Instrument DateMar 11, 2019
Instrument53813
Transaction TypeTransfer
Record UpdatedApr 1, 2019
Title CompanyEQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS

Transaction

AmountAmount Recorded
Tax$564.20
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5584 STARLING LOOP LAKELAND FL 338103149, LAKELAND, FL 33810-3149

Mortgage

Document Number107802088
DateMar 18, 2019
Book Page010780/002088
Instrument53814
Lender
NameCARDINAL FIN'L
TypeFunding / Finance Company
AddressCHARLOTTE, NC 28273
Agreement
AmountAmount Recorded
Term180 Months
DueMar 17, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityLakeland City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$216,458 (+136.47%) Land $52,000 Building $164,458$216,458 (-1.92%) Land $52,000 Building $164,458
2025$872.00 (+4.43%)$91,539 (+2.9%)$220,701 (-2.63%) Land $52,000 Building $168,701
2024$835.00 (+4.64%) Homeowner's exemption$88,959 (+3%)$226,661 (-2.66%) Land $52,000 Building $174,661
2023$798.00 (+5.14%) Homeowner's exemption$86,368 (+3%)$232,864 (+16.02%) Land $50,000 Building $182,864
2022$759.00 Homeowner's exemption$83,852$200,710 Land $42,000 Building $158,710

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies8 in force
Nearby Flood Claims1 (2024)
Most Recent ClaimOct 2024 · Hurricane Milton

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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemCITY OF LAKELAND
serves 193,297 people · EPA ID FL6531014
Water SourceGroundwater
Last State InspectionJul 2022
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 292 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

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