7951 Apache Ln, Lakeland, FL 33810 Property Records

Polk County property record for 7951 Apache Ln, Lakeland, FL 33810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,000 sqft · built 1994
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$50,000 (Apr 1994)
Tax Bill	$474 (2025)
Deeds & Mortgages	Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`23-27-10-000823-010300`

Property Details

APN / Parcel Number

Primary APN	`23-27-10-000823-010300`
Alternative APNs	`102723000823010300` `02723000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,000 sqft Living Area
Gross Area	1,377 sqft
1st Floor Area	1,000 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	120 ft deep x 83 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	377 sqft

Exterior Amenities

Pool House	Pool House
Porch	Unfinished Open Porch
Porch Area	64 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	7951 APACHE LN
City	LAKELAND
State	FL
Zip	33810-2171
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN HEIGHTS PHASE TWO PB 87 PG 23 BLK A LOT 30
Legal Range	23E
Legal Township	27S
Legal Section	10
Legal Subdivision	INDIAN HEIGHTS PHASE TWO
Legal Phase	2
Legal Tract	823
Legal Block	A
Legal Lot Number	30
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2011
Census Tract	12133

Owner

7951 Apache Ln is owned and occupied by an individual who bought it in April 1994.

Source: Polk County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	7951 APACHE LN, LAKELAND, FL 33810-2171
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 1994 · Amount on File
Deed Sale	Apr 22, 1994 · Amount on File
Prior Sale	Jan 26, 1994 · Amount on File
Deed Book / Page	3378 / 2118
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	7951 APACHE LN, LAKELAND, FL 33810-2171
Document Number	0108211858
Instrument Date	Apr 15, 2019
Transaction Type	Mortgage
Record Updated	May 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7951 APACHE LN LAKELAND FL 338102171, LAKELAND, FL 33810-2171

Mortgage

Document Number	0108211858
Date	Apr 26, 2019
Book Page	010821/001858
Instrument	85061

Lender

Name	RAILROAD & IND'L FCU
Type	Credit Union
Address	TAMPA, FL 33619

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 25, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 7951 Apache Ln was $474 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$78,968 (+2.7%)	$196,347 (-6.12%) Land $50,000 Building $146,347
2025	$474.00 Homeowner's exemption	$76,892	$209,137 Land $50,000 Building $159,137
2023	$997.00 (+5.95%) Homeowner's exemption	$72,549 (+3%)	$202,941 (+15.35%) Land $48,000 Building $154,941
2022	$941.00 Homeowner's exemption	$70,436	$175,928 Land $40,000 Building $135,928

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

Flood

FEMA maps place 7951 Apache Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 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

Wildfire risk around 7951 Apache Ln is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None 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 System	NORTHWEST serves 28,082 people · EPA ID FL6532348
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 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	21 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20