8324 Split Creek Cir, Lakeland, FL 33809 Property Records

Polk County property record for 8324 Split Creek Cir, Lakeland, FL 33809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,769 sqft · built 2003
Lot Size	0.234 acres (10,171 sqft)
Owner	2 Individual Names on File
Last Sale	$25,000 (Nov 2002)
Tax Bill	$1,039 (2025)
Deeds & Mortgages	Mar 2022 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-27-12-000892-000220`

Property Details

APN / Parcel Number

Primary APN	`23-27-12-000892-000220`
Alternative APNs	`122723000892000220` `22723000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,769 sqft Living Area
Gross Area	2,189 sqft
1st Floor Area	1,769 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	10,171 sqft (0.234 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	54 sqft
Patio Area	180 sqft
Shed	1 Shed

Location & Zoning

Street Address	8324 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 22
Legal Range	23E
Legal Township	27S
Legal Section	12
Legal Subdivision	WILDER BROOKE
Legal Tract	892
Legal Block	2
Legal Lot Number	22
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2003
Census Tract	12203

Owner

Source: Polk County records · APN 23-27-12-000892-000220

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	2 Individual Names on File
Mailing Address	8324 SPLIT CREEK CIR, LAKELAND, FL 33809-7247
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 08, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jun 28, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 14, 2002 · Amount on Record
Deed Sale	Nov 14, 2002 · Amount on Record
Deed Book / Page	5171 / 977
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	8324 SPLIT CREEK CIR, LAKELAND, FL 33809-7247
Transaction Type	Mortgage
Record Updated	Mar 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061760
Date	Mar 08, 2022
Book Page	12150/40
Instrument	2022061760

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	8324 SPLIT CREEK CIR, LAKELAND, FL 33809-7247
Document Number	0112352164
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jun 08, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8324 SPLIT CREEK CIR LAKELAND FL 338097247, LAKELAND, FL 33809-7247

Mortgage

Document Number	0112352164
Date	May 18, 2020
Book Page	011235/002164
Instrument	98645

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 17, 2040

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	8324 SPLIT CREEK CIR, LAKELAND, FL 33809-7247
Document Number	0105390433
Instrument Date	Jun 28, 2018
Transaction Type	Mortgage
Record Updated	Jul 26, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	324 SPLIT CREEK CIR LAKELAND FL 33809, LAKELAND, FL 33809

Mortgage

Document Number	0105390433
Date	Jul 05, 2018
Book Page	010539/000433
Instrument	143116

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 04, 2048

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	$1,039.00 (-32.71%) Homeowner's exemption	$120,576 (+6.87%)	$263,284 (-7.03%) Land $58,000 Building $205,284
2023	$1,544.00 (+6.41%) Homeowner's exemption	$112,821 (+3%)	$283,205 (+9.41%) Land $56,000 Building $227,205
2022	$1,451.00 Homeowner's exemption	$109,535	$258,842 Land $46,000 Building $212,842

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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