8465 Split Creek Cir, Lakeland, FL 33809 Property Records

Polk County property record for 8465 Split Creek Cir, Lakeland, FL 33809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 2003
Lot Size	0.357 acres (15,533 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Apr 2025)
Tax Bill	$1,870 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-27-12-000892-000200`

Property Details

APN / Parcel Number

Primary APN	`23-27-12-000892-000200`
Alternative APNs	`122723000892000200` `22723000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,560 sqft Living Area
Gross Area	1,940 sqft
1st Floor Area	1,560 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	Gable
Roof Material	Other
Lot Area	15,533 sqft (0.357 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	380 sqft

Exterior Amenities

Porch	Screened/Unfinished Porch
Porch Area	358 sqft
Patio Area	12 sqft
Shed	1 Shed

Location & Zoning

Street Address	8465 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 13-14 LOT 20
Legal Range	23E
Legal Township	27S
Legal Section	12
Legal Subdivision	WILDER BROOKE
Legal Tract	892
Legal Block	2
Legal Lot Number	20
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2000
Census Tract	12203

Owner

Source: Polk County records · APN 23-27-12-000892-000200

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	2410 KENWICK DR, VALRICO, FL 33596-6328
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 08, 2022	Deed of Trust, Mortgage · Conventional Mortgage PUBLIX EMPLOYEES FCU
Nov 06, 2018	Warranty Deed, Transfer · Conventional Mortgage HOUSING FIN AGCY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 02, 2025 · Amount on Record
Deed Sale	Apr 02, 2025 · Amount on Record
Prior Sale	Nov 06, 2018 · Amount on Record
Deed Document Number	202574868
Deed Book / Page	13491 / 1047
Prior Transfer Date	Mar 20, 2007
Prior Transfer Doc	0000151500
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	8465 SPLIT CREEK CIR, LAKELAND, FL 33809-7249
Transaction Type	Mortgage
Record Updated	Jul 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8465 SPLIT CREEK CIR, LAKELAND, FL 33809-7249

Mortgage

Document Number	0000185536
Date	Jul 08, 2022
Book Page	12329/167
Instrument	2022185536

Lender

Name	PUBLIX EMPLOYEES FCU
Type	Credit Union
Address	LAKELAND, FL 33815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 01, 2037

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 06, 2018
Property Address	8465 SPLIT CREEK CIR, LAKELAND, FL 33809-7249
Document Number	0106632199
Book / Page	010663 / 002199
Instrument Date	Nov 05, 2018
Instrument	233580
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TITLE GRP/LAKELAND LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8465 SPLIT CREEK CIR LAKELAND FL 338097249, LAKELAND, FL 33809-7249

Mortgage

Document Number	106632218
Date	Nov 06, 2018
Book Page	010663/002218
Instrument	233582

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 05, 2048

Interest

Rate	12%

Mortgage

Document Number	106632201,
Date	Nov 06, 2018
Book Page	010663/002201
Instrument	233581

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 05, 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	$1,870.00 (-20.53%)	$184,906 (+5.99%)	$255,480 (-7.49%) Land $58,000 Building $197,480
2023	$2,353.00 (+4.76%) Homeowner's exemption	$174,461 (+3%)	$276,150 (+11%) Land $56,000 Building $220,150
2022	$2,246.00 Homeowner's exemption	$169,380	$248,793 Land $46,000 Building $202,793

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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