8316 Split Creek Cir, Lakeland, FL 33809 Property Records

Polk County property record for 8316 Split Creek Cir, Lakeland, FL 33809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,535 sqft · built 2004
Lot Size	0.264 acres (11,500 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Sep 2021)
Tax Bill	$2,098 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-27-12-000892-000210`

Property Details

APN / Parcel Number

Primary APN	`23-27-12-000892-000210`
Alternative APNs	`122723000892000210` `22723000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,535 sqft Living Area
Gross Area	1,935 sqft
1st Floor Area	1,535 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	11,500 sqft (0.264 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Unfinished Open Porch
Porch Area	15 sqft
Patio Area	64 sqft

Location & Zoning

Street Address	8316 SPLIT CREEK CIR
City	LAKELAND
State	FL
Zip	33809-7247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILDER BROOKE PB 115 PGS 13-14 LOT 21
Legal Range	23E
Legal Township	27S
Legal Section	12
Legal Subdivision	WILDER BROOKE
Legal Tract	892
Legal Block	2
Legal Lot Number	21
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2003
Census Tract	12203

Owner

Source: Polk County records · APN 23-27-12-000892-000210

Assessment roll updated June 23, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	8316 SPLIT CREEK CIR, LAKELAND, FL 33809-7247
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Warranty Deed, Transfer · FHA Mortgage MIDFLORIDA CU
Dec 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU ISAOA
Jan 11, 2017	Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 30, 2021 · Amount on Record
Deed Sale	Sep 30, 2021 · Amount on Record
Prior Sale	Jan 11, 2017 · Amount on Record
Deed Document Number	2021255450
Deed Book / Page	11917 / 505
Prior Transfer Date	Jun 29, 2012
Prior Transfer Doc	0000152259
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 30, 2021
Property Address	8316 SPLIT CREEK CIR, LAKELAND, FL 33809-7247
Document Number	0000255450
Book / Page	11917 / 505
Map Reference	MB 115 PG 13&14
Instrument Date	Sep 28, 2021
Instrument	2021255450
Transaction Type	Transfer
Record Updated	Oct 13, 2021
Title Company	HOME SOLUTION TITLE INC, HOME SOLUTION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	626 CARMICHAEL RD, 626, VALLEY HEAD, AL 35989-4443

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8316 SPLIT CREEK CIR, LAKELAND, FL 33809-7247

Mortgage

Document Number	0011917507
Date	Sep 30, 2021
Instrument	11917/507

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	8316 SPLIT CREEK CIR, LAKELAND, FL 33809-7247
Document Number	0107132270
Instrument Date	Dec 28, 2018
Transaction Type	Mortgage
Record Updated	Jan 23, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8316 SPLIT CREEK CIR LAKELAND FL 338097247, LAKELAND, FL 33809-7247

Mortgage

Document Number	0107132270
Date	Jan 03, 2019
Book Page	010713/002270
Instrument	1343

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 02, 2049

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 11, 2017
Property Address	8316 SPLIT CREEK CIR, LAKELAND, FL 33809-7247
Document Number	0100351472
Book / Page	010035 / 001472
Instrument Date	Jan 04, 2017
Instrument	5833
Transaction Type	Transfer
Record Updated	Jan 25, 2017
Title Company	MIDFLORIDA TITLE PROFESSIONALS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8316 SPLIT CREEK CIR LAKELAND FL 338097247, LAKELAND, FL 33809-7247

Mortgage

Document Number	100351473,
Date	Jan 11, 2017
Book Page	010035/001473
Instrument	5834

Lender

Name	MIDFLORIDA FCU
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 10, 2027

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,098.00 (-24.21%) Homeowner's exemption	$202,528 (-1.72%)	$205,229 (-6.95%) Land $58,000 Building $147,229
2023	$2,768.00 (+4.33%) Homeowner's exemption	$206,078 (+3%)	$220,564 (+10.24%) Land $56,000 Building $164,564
2022	$2,653.00 Homeowner's exemption	$200,076 Land $46,000 Building $154,076	$200,076 Land $46,000 Building $154,076

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Milton, Oct 2024 · 4 claims

Wildfire

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 221 locations within half a mile of this property.

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