3116 Troy Ave, Lakeland, FL 33803 Property Records

Polk County property record for 3116 Troy Ave, Lakeland, FL 33803

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 924 sqft · built 1954
Lot Size	0.138 acres (5,998 sqft)
Owner	Individual Name on File
Last Sale	$289,000 (Nov 2024)
Tax Bill	$3,588 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Mar 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-31-261500-009190`

Property Details

APN / Parcel Number

Primary APN	`24-28-31-261500-009190`
Alternative APNs	`312824261500009190` `12824000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	924 sqft Living Area
Gross Area	624 sqft
1st Floor Area	624 sqft
Utility Room	Utility Room
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2015
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Other
Lot Area	5,998 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	208 sqft
Carport	Carport
Carport Area	208 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	618 sqft

Location & Zoning

Street Address	3116 TROY AVE
City	LAKELAND
State	FL
Zip	33803-4539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Description	SEMINOLE HEIGHTS PB 19 PG 34 BLK 9 LOT 19
Legal Range	24E
Legal Township	28S
Legal Section	31
Legal Subdivision	SEMINOLE HEIGHTS
Legal Tract	261500
Legal Block	9
Legal Lot Number	19
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2007
Census Tract	10601

Owner

3116 Troy Ave is owned by an individual who bought it in November 2024.

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	Individual Name on File
Mailing Address	616 VICTORIA SQUARE LN, LAKELAND, FL 33813-2654
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2020	Warranty Deed, Transfer · Conventional with PMI CARDINAL FIN'L
Mar 2, 2017	Warranty Deed, Transfer HOME SOLUTION TITLE INC
Mar 2, 2017	Warranty Deed, Transfer ECUSA LLP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2024 · Amount on File
Deed Sale	Nov 13, 2024 · Amount on File
Prior Sale	Jun 4, 2020 · Amount on File
Deed Document Number	2024257490
Deed Book / Page	13331 / 643
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 4, 2020
Property Address	3116 TROY AVE, LAKELAND, FL 33803-4539
Document Number	0112531907
Book / Page	011253 / 001907
Instrument Date	May 29, 2020
Instrument	110584
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,176.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3116 TROY AVE LAKELAND FL 338034539, LAKELAND, FL 33803-4539

Mortgage

Document Number	112531910
Date	Jun 4, 2020
Book Page	011253/001910
Instrument	110585

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 2, 2017
Property Address	3116 TROY AVE, LAKELAND, FL 33803-4539
Document Number	0100800883
Book / Page	010080 / 000883
Instrument Date	Feb 24, 2017
Instrument	41271
Transaction Type	Transfer
Record Updated	Aug 3, 2017
Title Company	HOME SOLUTION TITLE INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7046 CASCADES CT LAKELAND FL 338135615, LAKELAND, FL 33813-5615

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 2, 2017
Property Address	3116 TROY AVE, LAKELAND, FL 33803-4539
Document Number	0100800884
Book / Page	010080 / 000884
Instrument Date	Feb 24, 2017
Instrument	41272
Transaction Type	Transfer
Record Updated	Mar 19, 2018
Title Company	HOME SOLUTION TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$357.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3116 TROY AVE LAKELAND FL 338034539, LAKELAND, FL 33803-4539

Mortgage

Document Number	100800885
Date	Mar 2, 2017
Book Page	010080/000885
Instrument	41273

Lender

Name	ECUSA LLP
Address	7046 CASCADES CT, LAKELAND, FL 33813-5615

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3116 Troy Ave was $3,588.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$190,779 (-4.1%) Land $25,000 Building $165,779	$190,779 (-4.1%) Land $25,000 Building $165,779
2025	$3,588.00	$198,944 Land $25,000 Building $173,944	$198,944 Land $25,000 Building $173,944
2023	$1,718.00 (+3.49%) Homeowner's exemption	$136,875 (+3%)	$204,004 (+17.42%) Land $24,000 Building $180,004
2022	$1,660.00 Homeowner's exemption	$132,888	$173,746 Land $23,000 Building $150,746

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3116 Troy Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1999.

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 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1999)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 1999 · other causes

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 3116 Troy Ave is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	CITY OF LAKELAND serves 193,297 people · EPA ID FL6531014
Water Source	Groundwater
Last State Inspection	Jul 2022
Lead	Under 1 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	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 426 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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