8398 Split Creek Cir, Lakeland, FL 33809 Property Records

Polk County property record for 8398 Split Creek Cir, Lakeland, FL 33809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,715 sqft · built 2002
Lot Size	0.263 acres (11,439 sqft)
Owner	2 Individual Names on File
Last Sale	$339,900 (Oct 2025)
Tax Bill	$2,305 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`23-27-12-000892-000260`

Property Details

APN / Parcel Number

Primary APN	`23-27-12-000892-000260`
Alternative APNs	`122723000892000260` `22723000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,715 sqft Living Area
Gross Area	2,135 sqft
1st Floor Area	1,563 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	11,439 sqft (0.263 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Florida Room
Porch Area	188 sqft
Shed	1 Shed

Location & Zoning

Street Address	8398 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 26
Legal Range	23E
Legal Township	27S
Legal Section	12
Legal Subdivision	WILDER BROOKE
Legal Tract	892
Legal Block	2
Legal Lot Number	26
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2003
Census Tract	12203

Owner

Source: Polk County records · APN 23-27-12-000892-000260

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	8398 SPLIT CREEK CIR, LAKELAND, FL 33809-7247
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Oct 29, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 04, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Aug 18, 2022	Warranty Deed, Transfer OS NATIONAL LLC
Jun 11, 2018	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 29, 2025 · Amount on Record
Deed Sale	Oct 29, 2025 · Amount on Record
Prior Sale	May 04, 2023 · Amount on Record
Deed Document Number	2025256042
Deed Book / Page	13757 / 2272
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	8398 SPLIT CREEK CIR, LAKELAND, FL 33809-7247
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000208182
Date	Aug 11, 2021
Book Page	11842/356
Instrument	2021208182

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2051

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 29, 2025
Property Address	8398 SPLIT CREEK CIR, LAKELAND, FL 33809-7247
Document Number	0000256042
Book / Page	13757 / 2272
Map Reference	MB 115 PG 13&14
Instrument Date	Oct 15, 2025
Instrument	2025256042
Transaction Type	Transfer
Record Updated	Apr 02, 2026
Title Company	GENERATIONS TITLE COMPANY LLC, GENERATION TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,379.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4524 LAKELAND HARBOR LOOP, LAKELAND, FL 33805-3577

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8398 SPLIT CREEK CIR, LAKELAND, FL 33809-7247

Mortgage

Document Number	0137572274
Date	Oct 29, 2025
Instrument	13757/2274

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 04, 2023
Property Address	8398 SPLIT CREEK CIR, LAKELAND, FL 33809-7247
Document Number	0000104168
Book / Page	12678 / 1432
Map Reference	MB 115 PG 13&14
Instrument Date	Apr 28, 2023
Instrument	2023104168
Transaction Type	Transfer
Record Updated	Nov 13, 2025
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8398 SPLIT CREEK CIR, LAKELAND, FL 33809-7247

Mortgage

Document Number	0126781434
Date	May 04, 2023
Instrument	12678/1434

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2053

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 18, 2022
Property Address	8398 SPLIT CREEK CIR, LAKELAND, FL 33809-7247
Document Number	0000224689
Book / Page	12384 / 138
Map Reference	MB 115 PG 13&14
Instrument Date	Aug 14, 2022
Instrument	2022224689
Transaction Type	Transfer
Record Updated	Nov 13, 2025
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$2,173.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7507 GROVELAND FARMS RD, GROVELAND, FL 34736-9442

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 11, 2018
Property Address	8398 SPLIT CREEK CIR, LAKELAND, FL 33809-7247
Document Number	0105130346
Book / Page	010513 / 000346
Instrument Date	Jun 07, 2018
Instrument	124145
Transaction Type	Transfer
Record Updated	Jul 02, 2018
Title Company	LAKELAND TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,399.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8398 SPLIT CREEK CIR LAKELAND FL 338097247, LAKELAND, FL 33809-7247

Mortgage

Document Number	105130348
Date	Jun 11, 2018
Book Page	010513/000348
Instrument	124146

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 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	$2,305.00 (-20.98%) Homeowner's exemption	$252,379 (+2.9%)	$254,994 (+3.97%) Land $58,000 Building $196,994
2024	$2,917.00 (-31.07%) Homeowner's exemption	$245,266 (-11.78%) Land $58,000 Building $187,266	$245,266 (-11.78%) Land $58,000 Building $187,266
2023	$4,232.00 (+87.01%)	$278,023 (+62.9%) Land $56,000 Building $222,023	$278,023 (+12.63%) Land $56,000 Building $222,023
2022	$2,263.00 Homeowner's exemption	$170,674	$246,850 Land $46,000 Building $200,850

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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