Polk County property record for 7960 Apache Ln, Lakeland, FL 33810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,504 sqft · built 1993 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $77,900 (Sep 1993) |
| Tax Bill | $696 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-27-10-000823-010440 |
| Primary APN | 23-27-10-000823-010440 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,504 sqft Living Area |
| Gross Area | 1,922 sqft |
| 1st Floor Area | 1,504 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| 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 | 418 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 130 sqft |
| Cooling System | Central |
|---|
| Street Address | 7960 APACHE LN |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33810-2170 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDIAN HEIGHTS PHASE TWO PB 87 PG 23 BLK A LOT 44 |
| 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 | 44 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 12133 |
7960 Apache Ln is owned and occupied by an individual who bought it in September 1993.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7960 APACHE LN, LAKELAND, FL 33810-2170 |
| 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.
| Date | Document |
|---|---|
| Aug 28, 2023 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 27, 2018 | Deed of Trust, Mortgage · Conventional Mortgage ST FIN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 1993 · Amount on File |
| Deed Sale | Sep 29, 1993 · Amount on File |
| Deed Book / Page | 3290 / 654 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 7960 APACHE LN, LAKELAND, FL 33810-2170 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2023 |
| Title Company | UNISOURCE |
| Name | Verified Name |
|---|---|
| Address | 7960 APACHE LN, LAKELAND, FL 33810-2170 |
| Document Number | 0000201719 |
|---|---|
| Date | Aug 28, 2023 |
| Book Page | 12815/1894 |
| Instrument | 2023201719 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 7960 APACHE LN, LAKELAND, FL 33810-2170 |
| Document Number | 0106090022 |
| Instrument Date | Aug 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 7960 APACHE LN LAKELAND FL 338102170, LAKELAND, FL 33810-2170 |
| Document Number | 0106090022 |
|---|---|
| Date | Sep 11, 2018 |
| Book Page | 010609/000022 |
| Instrument | 193241 |
| Name | ST FIN |
|---|---|
| Type | Funding / Finance Company |
| Address | LAGUNA HILLS, CA 92653 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 10, 2048 |
The 2025 property tax bill for 7960 Apache Ln was $696 with a homeowner's exemption.
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 | $96,568 (+2.7%) | $246,762 (-6.25%) Land $50,000 Building $196,762 | |
| 2025 | $696.00 Homeowner's exemption | $94,029 | $263,224 Land $50,000 Building $213,224 |
| 2023 | $1,190.00 (+6.82%) Homeowner's exemption | $88,717 (+3%) | $258,136 (+14.83%) Land $48,000 Building $210,136 |
| 2022 | $1,114.00 Homeowner's exemption | $86,133 | $224,804 Land $40,000 Building $184,804 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7960 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 risk around 7960 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.
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 |
| 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.
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 |
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