3202 Troy Ave, Lakeland, FL 33803 Property Records

Polk County property record for 3202 Troy Ave, Lakeland, FL 33803

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,342 sqft · built 1950
Lot Size	0.205 acres (8,912 sqft)
Owner	Company Name on File
Last Sale	$40,000 (Mar 2013)
Tax Bill	$2,954 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Aug 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-28-31-261500-012110`

Property Details

APN / Parcel Number

Primary APN	`24-28-31-261500-012110`
Alternative APNs	`312824261500012110` `12824000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,342 sqft Living Area
Gross Area	1,650 sqft
1st Floor Area	1,342 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Metal
Lot Area	8,912 sqft (0.205 acres)
Lot Dimensions	120 ft deep x 75 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	308 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	128 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3202 TROY AVE
City	LAKELAND
State	FL
Zip	33803-4541
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Description	SEMINOLE HEIGHTS PB 19 PG 34 BLK 12 LOT 11 N1/2 & 12
Legal Range	24E
Legal Township	28S
Legal Section	31
Legal Subdivision	SEMINOLE HEIGHTS
Legal Tract	261500
Legal Block	12
Legal Lot Number	11
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2007
Census Tract	10601

Owner

3202 Troy Ave is owned by a company that acquired it in October 2019.

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	Company Name on File
Mailing Address	249 JASPER ST, 68, LARGO, FL 33770-1214
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Deed of Trust, Mortgage · Commercial Mortgage CIVIC FINANCIAL SERVICES LLC
Aug 29, 2022	Special Warranty Deed, Transfer
Oct 2, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2013 · Amount on File
Deed Sale	Mar 20, 2013 · Amount on File
Prior Sale	Feb 6, 2013 · Amount on File
Deed Document Number	201351609
Deed Book / Page	8906 / 822
Last Transfer Date	Oct 2, 2019
Transfer Doc	0000209300
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3202 TROY AVE, LAKELAND, FL 33803-4541
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	349S 5TH AVE N, ST PETERSBURG, FL 33701-2811

Mortgage

Document Number	0000240696
Date	Sep 2, 2022
Book Page	12406/1021
Instrument	2022240696

Lender

Name	CIVIC FINANCIAL SERVICES LLC
Type	Funding / Finance Company
Address	REDONDO BEACH, CA 90278

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

August 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 29, 2022
Property Address	3202 TROY AVE, LAKELAND, FL 33803-4541
Document Number	0000234835
Book / Page	12397 / 1414
Map Reference	MB 19 PG 34
Instrument Date	Apr 27, 2022
Instrument	2022234835
Transaction Type	Transfer
Record Updated	Sep 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3531 PH19, 3531, PALM HARBOR, FL 34683

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 TUSPUR ST #68 # 68, 68, MEDLEY, FL 33178

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Oct 2, 2019
Property Address	3202 TROY AVE, LAKELAND, FL 33803-4541
Document Number	0109931763
Book / Page	010993 / 001763
Instrument Date	Oct 2, 2019
Instrument	209300
Transaction Type	Transfer
Record Updated	Oct 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3531 ALT 19 PALM HARBOR FL 346831416, PALM HARBOR, FL 34683-1416

Tax Assessment & Valuation

The 2025 property tax bill for 3202 Troy Ave was $2,954, down 2.8% from the year before.

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		$169,551 (+3.53%) Land $31,250 Building $138,301	$169,551 (+3.53%) Land $31,250 Building $138,301
2025	$2,954.00 (-2.83%)	$163,773 Land $31,250 Building $132,523	$163,773 Land $31,250 Building $132,523
2024	$3,040.00 (-0.39%)
2023	$3,052.00 (+26.59%)	$167,443 (+9.32%) Land $30,000 Building $137,443	$167,443 (+9.32%) Land $30,000 Building $137,443
2022	$2,411.00	$153,165 Land $28,750 Building $124,415	$153,165 Land $28,750 Building $124,415

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

Flood

FEMA maps place 3202 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 3202 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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