8441 Split Creek Cir, Lakeland, FL 33809 Property Records

Polk County property record for 8441 Split Creek Cir, Lakeland, FL 33809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,619 sqft · built 2001
Lot Size	0.336 acres (14,619 sqft)
Owner	2 Individual Names on File
Last Sale	$68,000 (May 2013)
Tax Bill	$1,765 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Aug 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-27-12-000892-000170`

Property Details

APN / Parcel Number

Primary APN	`23-27-12-000892-000170`
Alternative APNs	`122723000892000170` `22723000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,619 sqft Living Area
Gross Area	2,059 sqft
1st Floor Area	1,619 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	14,619 sqft (0.336 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	97 sqft
Patio Area	64 sqft
Shed	1 Shed

Location & Zoning

Street Address	8441 SPLIT CREEK CIR
City	LAKELAND
State	FL
Zip	33809-7249
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILDER BROOKE PB 115 PGS 113-114 LOT 17
Legal Range	23E
Legal Township	27S
Legal Section	12
Legal Subdivision	WILDER BROOKE
Legal Tract	892
Legal Block	2
Legal Lot Number	17
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2000
Census Tract	12203

Owner

Source: Polk County records · APN 23-27-12-000892-000170

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	8441 SPLIT CREEK CIR, LAKELAND, FL 33809-7249
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2022	Deed of Trust, Mortgage · Line of Credit GTE FCU
Aug 26, 2021	Deed of Trust, Mortgage · Line of Credit GTE FCU
Jul 15, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MTG
Mar 24, 2017	Deed of Trust, Mortgage · VA Mortgage NEW PENN FIN'L LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 10, 2013 · Amount on Record
Deed Sale	May 10, 2013 · Amount on Record
Prior Sale	Jun 18, 2012 · Amount on Record
Deed Document Number	201388152
Deed Book / Page	8953 / 1750
Last Transfer Date	Jun 07, 2025
Transfer Doc	0000137130
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	8441 SPLIT CREEK CIR, LAKELAND, FL 33809-7249
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8441 SPLIT CREEK CIR, LAKELAND, FL 33809-7249

Mortgage

Document Number	0000218461
Date	Aug 11, 2022
Book Page	12375/1616
Instrument	2022218461

Lender

Name	GTE FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 10, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	8441 SPLIT CREEK CIR, LAKELAND, FL 33809-7249
Transaction Type	Mortgage
Record Updated	Aug 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000222824
Date	Aug 26, 2021
Book Page	11864/656
Instrument	2021222824

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	8441 SPLIT CREEK CIR, LAKELAND, FL 33809-7249
Document Number	0113262234
Instrument Date	Jul 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8441 SPLIT CREEK CIR LAKELAND FL 338097249, LAKELAND, FL 33809-7249

Mortgage

Document Number	0113262234
Date	Aug 07, 2020
Book Page	011326/002234
Instrument	159751

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 06, 2050

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	8441 SPLIT CREEK CIR, LAKELAND, FL 33809-7249
Document Number	0101072297
Book / Page	010107 / 002297
Instrument Date	Mar 24, 2017
Transaction Type	Mortgage
Record Updated	Jun 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8441 SPLIT CREEK CIR LAKELAND FL 338097249, LAKELAND, FL 33809-7249

Mortgage

Document Number	0101072297
Date	Apr 03, 2017
Book Page	010107/002297
Instrument	62904

Lender

Name	NEW PENN FIN'L LLC
Type	Funding / Finance Company
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 02, 2047

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	$1,765.00 (-24.7%) Homeowner's exemption	$181,729 (+5.99%)	$281,913 (-6.31%) Land $58,000 Building $223,913
2023	$2,344.00 (+12.86%) Homeowner's exemption	$171,463 (+10.19%)	$300,887 (+13.66%) Land $56,000 Building $244,887
2022	$2,077.00 Homeowner's exemption	$155,607	$264,733 Land $46,000 Building $218,733

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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