Polk County property record for 8130 Wilder Loop, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,305 sqft · built 2019 |
| Lot Size | 0.209 acres (9,104 sqft) |
| Owner | Individual Name on File |
| Last Sale | $395,000 (Jan 2024) |
| Tax Bill | $3,914 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-27-12-000896-000020 |
| Primary APN | 23-27-12-000896-000020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,305 sqft Living Area |
| Gross Area | 3,068 sqft |
| 1st Floor Area | 2,305 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,104 sqft (0.209 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 628 sqft |
| Porch | Florida Room |
| Porch Area | 63 sqft |
| Street Address | 8130 WILDER LOOP |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-5222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WILDER OAKS PB 169 PG 3-4 LOT 2 |
| Legal Range | 23E |
| Legal Township | 27S |
| Legal Section | 12 |
| Legal Subdivision | WILDER OAKS |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 12203 |
8130 Wilder Loop is owned and occupied by an individual who bought it in January 2024.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8130 WILDER LOOP, LAKELAND, FL 33809-5222 |
| 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 |
|---|---|
| Feb 2, 2023 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Mar 28, 2022 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Jan 3, 2024 | Warranty Deed, Transfer · Conventional Mortgage HOME1ST LENDING LLC |
| Apr 15, 2020 | Grant Deed, Subdivision Related Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 3, 2024 · Amount on File |
| Deed Sale | Jan 3, 2024 · Amount on File |
| Prior Sale | Apr 15, 2020 · Amount on File |
| Deed Document Number | 20241596 |
| Deed Book / Page | 12961 / 791 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 8130 WILDER LOOP, LAKELAND, FL 33809-5222 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 8130 WILDER LOOP, LAKELAND, FL 33809-5222 |
| Document Number | 0000025363 |
|---|---|
| Date | Feb 2, 2023 |
| Book Page | 12569/1758 |
| Instrument | 2023025363 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | TEMPE, AZ 85284 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 327 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 8130 WILDER LOOP, LAKELAND, FL 33809-5222 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 8130 WILDER LOOP, LAKELAND, FL 33809-5222 |
| Document Number | 0000083510 |
|---|---|
| Date | Mar 28, 2022 |
| Book Page | 12181/1601 |
| Instrument | 2022083510 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73134 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 338 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 3, 2024 |
| Property Address | 8130 WILDER LOOP, LAKELAND, FL 33809-5222 |
| Document Number | 0000001596 |
| Book / Page | 12961 / 791 |
| Map Reference | MB 169 PG 3 |
| Instrument Date | Dec 29, 2023 |
| Instrument | 2024001596 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | NEAR NORTH TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,765.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 101 OAK TREE BLVD, WINTER HAVEN, FL 33880-3868 |
| Name | Verified Name |
|---|---|
| Address | 8130 WILDER LOOP, LAKELAND, FL 33809-5222 |
| Document Number | 0012961793 |
|---|---|
| Date | Jan 3, 2024 |
| Instrument | 12961/793 |
| Name | HOME1ST LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2054 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 15, 2020 |
| Property Address | 8130 WILDER LOOP, LAKELAND, FL 33809-5222 |
| Document Number | 0112060705 |
| Book / Page | 011206 / 000705 |
| Instrument Date | Apr 10, 2020 |
| Instrument | 79107 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 12, 2020 |
| Title Company | INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,961.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8130 WILDER LOOP LAKELAND FL LAKELAND FL 33809, LAKELAND, FL 33809 |
| Document Number | 112060707 |
|---|---|
| Date | Apr 15, 2020 |
| Book Page | 011206/000707 |
| Instrument | 79108 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 14, 2050 |
The 2025 property tax bill for 8130 Wilder Loop was $3,914 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 | $321,722 (-6.19%) Land $50,000 Building $271,722 | $321,722 (-7.54%) Land $50,000 Building $271,722 | |
| 2025 | $3,914.00 Homeowner's exemption | $342,943 | $347,950 Land $50,000 Building $297,950 |
| 2023 | $2,781.00 (+3.08%) Homeowner's exemption | $215,573 (+3%) | $383,581 (+10.59%) Land $48,000 Building $335,581 |
| 2022 | $2,698.00 Homeowner's exemption | $209,294 | $346,863 Land $40,000 Building $306,863 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8130 Wilder Loop in Zone X, an area of minimal flood risk, though there have been 4 flood claims 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 |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 4 (2024) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 8130 Wilder Loop is moderate, ranking above 44% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 221 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 |
| Starlink Satellite | 280 / 30 |
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