Polk County property record for 8124 Joyce Ln, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,296 sqft · built 1968 |
| Lot Size | 0.918 acres (40,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,000 (Oct 2012) |
| Tax Bill | $1,133 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Aug 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-07-000000-043350 |
| Primary APN | 24-27-07-000000-043350 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| Gross Area | 1,152 sqft |
| 1st Floor Area | 792 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 40,001 sqft (0.918 acres) |
| View / Lot | Commercial/Industrial |
| Porch | Florida Room |
| Porch Area | 680 sqft |
| Shed | 1 Shed |
| Cooling System | None |
|---|
| Street Address | 8124 JOYCE LN |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-1501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE2 |
| Legal Description | BEG 425 FT N & 1155 FT E OF SW COR OF NW1/4 OF SW1/4 RUN N 200 FT E 200 FT S 200 FT W 200 FT TO POB |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 07 |
| Legal Subdivision | BIG BEN ACRES |
| Legal Tract | 000000 |
| Legal Block | 3 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 12303 |
8124 Joyce Ln is owned and occupied by two individuals who bought it in October 2012.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8124 JOYCE LN, LAKELAND, FL 33809-1501 |
| 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 |
|---|---|
| Sep 30, 2025 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CU |
| Aug 18, 2022 | Deed of Trust, Mortgage · FHA Mortgage PLAINS COMMERCE BANK |
| Aug 1, 2019 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Jul 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV |
| Jul 5, 2017 | Loan Modification, Mortgage · FHA Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 11, 2012 · Amount on File |
| Deed Sale | Oct 11, 2012 · Amount on File |
| Prior Sale | Sep 12, 2012 · Amount on File |
| Deed Document Number | 2012182529 |
| Deed Book / Page | 8772 / 357 |
| Prior Transfer Date | Jul 11, 2012 |
| Prior Transfer Doc | 0086960318 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 8124 JOYCE LN, LAKELAND, FL 33809-1501 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 8124 JOYCE LN, LAKELAND, FL 33809-1501 |
| Document Number | 0000229042 |
|---|---|
| Date | Sep 30, 2025 |
| Book Page | 13717/1452 |
| Instrument | 2025229042 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33680 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 29, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 8124 JOYCE LN, LAKELAND, FL 33809-1501 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 8124 JOYCE LN, LAKELAND, FL 33809-1501 |
| Document Number | 0000224745 |
|---|---|
| Date | Aug 18, 2022 |
| Book Page | 12384/270 |
| Instrument | 2022224745 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 8124 JOYCE LN, LAKELAND, FL 33809-1501 |
| Document Number | 0109531700 |
| Instrument Date | Aug 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 8124 JOYCE LN LAKELAND FL 338091501, LAKELAND, FL 33809-1501 |
| Document Number | 0109531700 |
|---|---|
| Date | Aug 27, 2019 |
| Book Page | 010953/001700 |
| Instrument | 181053 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 26, 2049 |
| Rate | 4.5% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 8124 JOYCE LN, LAKELAND, FL 33809-1501 |
| Document Number | 0102072179 |
| Instrument Date | Jul 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 8124 JOYCE LN LAKELAND FL 338091501, LAKELAND, FL 33809-1501 |
| Document Number | 0102072179 |
|---|---|
| Date | Jul 19, 2017 |
| Book Page | 010207/002179 |
| Instrument | 136991 |
| Name | HUD-HOUSING/URBAN DEV |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 18, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 8124 JOYCE LN, LAKELAND, FL 33809-1501 |
| Document Number | 0102190837 |
| Instrument Date | Jul 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 8124 JOYCE LN LAKELAND FL 338091501, LAKELAND, FL 33809-1501 |
| Document Number | 0102190837 |
|---|---|
| Date | Jul 31, 2017 |
| Book Page | 010219/000837 |
| Instrument | 145400 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 30, 2047 |
| Rate | 4.25% |
|---|
The 2025 property tax bill for 8124 Joyce Ln was $1,133 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 | $131,359 (+2.7%) | $167,791 (-2.98%) Land $37,650 Building $130,141 | |
| 2025 | $1,133.00 Homeowner's exemption | $127,906 | $172,937 Land $37,650 Building $135,287 |
| 2023 | $1,536.00 (+4.21%) Homeowner's exemption | $120,681 (+3%) | $201,068 (+48.55%) Land $36,732 Building $164,336 |
| 2022 | $1,474.00 Homeowner's exemption | $117,166 | $135,356 Land $25,836 Building $109,520 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8124 Joyce Ln in Zone X, an area of minimal flood risk.
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 | 4 in force |
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 8124 Joyce Ln is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · lower than 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 105 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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