Polk County property record for 8343 Chance Dr, Lakeland, FL 33809
| Property Type | Mobile Home |
|---|---|
| Details | 1,944 sqft · built 2005 |
| Lot Size | 0.234 acres (10,171 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $137,000 (Jun 2018) |
| Tax Bill | $1,065 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Mar 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-27-12-000891-003440 |
| Primary APN | 23-27-12-000891-003440 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,944 sqft Living Area |
|---|---|
| 1st Floor Area | 1,944 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Mobile Home |
| Lot Area | 10,171 sqft (0.234 acres) |
| Lot Dimensions | 113 ft deep x 90 ft wide |
| Garage Type | Detached |
| Garage Area | 336 sqft |
| Porch | Porch |
| Street Address | 8343 CHANCE DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-7241 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | WILDER TRACE PHASE ONE PB 109 PGS 32 & 33 BLK C LOT 44 |
| Legal Range | 23E |
| Legal Township | 27S |
| Legal Section | 12 |
| Legal Subdivision | WILDER TRACE PHASE 01 |
| Legal Phase | 1 |
| Legal Tract | 891 |
| Legal Block | C |
| Legal Lot Number | 44 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 12203 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 8343 CHANCE DR, LAKELAND, FL 33809-7241 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 14, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION |
| Mar 31, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 25, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Jun 13, 2018 | Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2018 · Amount on Record |
| Deed Sale | Jun 13, 2018 · Amount on Record |
| Prior Sale | Nov 27, 2007 · Amount on Record |
| Deed Document Number | 2018126238 |
| Deed Book / Page | 10515 / 2047 |
| Prior Transfer Date | Nov 16, 2007 |
| Prior Transfer Doc | 0000238327 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 14, 2026 |
| Property Address | 8343 CHANCE DR, LAKELAND, FL 33809-7241 |
| Document Number | 0000115829 |
| Book / Page | 13998 / 2192 |
| Instrument Date | May 8, 2026 |
| Instrument | 2026115829 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 8343 CHANCE DR, LAKELAND, FL 33809-7241 |
| Document Number | 0000115829, |
|---|---|
| Date | May 14, 2026 |
| Book Page | 13998/2192 |
| Instrument | 2026115829 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 8343 CHANCE DR, LAKELAND, FL 33809-7241 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 8343 CHANCE DR, LAKELAND, FL 33809-7241 |
| Document Number | 0000074405 |
|---|---|
| Date | Mar 31, 2023 |
| Book Page | 12635/1796 |
| Instrument | 2023074405 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 344 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 8343 CHANCE DR, LAKELAND, FL 33809-7241 |
| Document Number | 0113900807 |
| Instrument Date | Aug 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8343 CHANCE DR LAKELAND FL 338097241, LAKELAND, FL 33809-7241 |
| Document Number | 0113900807 |
|---|---|
| Date | Sep 25, 2020 |
| Book Page | 011390/000807 |
| Instrument | 201808 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Sep 24, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 13, 2018 |
| Property Address | 8343 CHANCE DR, LAKELAND, FL 33809-7241 |
| Document Number | 0105152047 |
| Book / Page | 010515 / 002047 |
| Instrument Date | Jun 8, 2018 |
| Instrument | 126238 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $959.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8343 CHANCE DR LAKELAND FL 338097241, LAKELAND, FL 33809-7241 |
| Document Number | 105152049 |
|---|---|
| Date | Jun 13, 2018 |
| Book Page | 010515/002049 |
| Instrument | 126239 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 12, 2048 |
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 | $125,953 (+2.7%) | $211,135 (-12.26%) Land $29,000 Building $182,135 | |
| 2025 | $1,065.00 (-30.8%) Homeowner's exemption | $122,642 (+5.99%) | $240,647 (+28.93%) Land $29,000 Building $211,647 |
| 2023 | $1,539.00 (+4.27%) Homeowner's exemption | $115,715 (+3%) | $186,655 (+5.25%) Land $28,000 Building $158,655 |
| 2022 | $1,476.00 Homeowner's exemption | $112,345 | $177,337 Land $23,000 Building $154,337 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 |
|
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.
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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