8524 Tocoi Path, Lakeland, FL 33810 Property Records

Polk County property record for 8524 Tocoi Path, Lakeland, FL 33810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,523 sqft · built 1984
Lot Size	0.351 acres (15,272 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Jun 2010)
Tax Bill	$678 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Jan 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`23-27-10-000810-000520`

Property Details

APN / Parcel Number

Primary APN	`23-27-10-000810-000520`
Alternative APNs	`102723000810000520` `02723000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,523 sqft Living Area
Gross Area	2,195 sqft
1st Floor Area	998 sqft
Upper Floors Area	525 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Wood
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Shed Roof
Roof Material	Other
Lot Area	15,272 sqft (0.351 acres)
Lot Dimensions	153 ft deep x 100 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	672 sqft
Pool Area	450 sqft
Porch	Unfinished Open Porch
Porch Area	27 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	8524 TOCOI PATH
City	LAKELAND
State	FL
Zip	33810-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE1
Legal Description	INDIAN WOODS PB 68 PG 5 LOT 52
Legal Range	23E
Legal Township	27S
Legal Section	10
Legal Subdivision	INDIAN WOODS
Legal Tract	810
Legal Block	3
Legal Lot Number	52
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	3
Census Block	3000
Census Tract	12133

Owner

8524 Tocoi Path is owned and occupied by an individual who bought it in June 2010.

Source: Polk County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	8524 TOCOI PATH, LAKELAND, FL 33810-1314
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jan 8, 2018	Loan Modification, Mortgage · FHA Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2010 · Amount on File
Deed Sale	Jun 9, 2010 · Amount on File
Prior Sale	Dec 2, 2009
Deed Document Number	201090350
Deed Book / Page	8153 / 2170
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	8524 TOCOI PATH, LAKELAND, FL 33810-1314
Document Number	0103752172
Instrument Date	Jan 8, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8524 TOCOI PATH LAKELAND FL 338101314, LAKELAND, FL 33810-1314

Mortgage

Document Number	0103752172
Date	Jan 24, 2018
Book Page	010375/002172
Instrument	16747

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 23, 2048

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	8524 TOCOI PATH, LAKELAND, FL 33810-1314
Document Number	0103781781
Instrument Date	Jan 8, 2018
Transaction Type	Mortgage
Record Updated	Feb 8, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8524 TOCOI PATH LAKELAND FL 338101314, LAKELAND, FL 33810-1314

Mortgage

Document Number	0103781781
Date	Jan 26, 2018
Book Page	010378/001781
Instrument	19066

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 25, 2048

Interest

Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 8524 Tocoi Path was $678 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$95,192 (+2.7%)	$253,587 (-0.11%) Land $48,000 Building $205,587
2025	$678.00 Homeowner's exemption	$92,689	$253,859 Land $48,000 Building $205,859
2023	$1,147.00 (+6.2%) Homeowner's exemption	$87,453 (+3%)	$257,213 (+21.74%) Land $46,000 Building $211,213
2022	$1,080.00 Homeowner's exemption	$84,906	$211,278 Land $38,000 Building $173,278

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 8524 Tocoi Path in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2017.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	4 (2017–2024)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Irma, Sep 2017 · 2 claims

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.

Wildfire

Wildfire risk around 8524 Tocoi Path is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTHWEST serves 28,082 people · EPA ID FL6532348
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	21 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 306 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

Cell Coverage

5G (outdoors only) and 4G LTE

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