3203 Troy Ave, Lakeland, FL 33803 Property Records

Polk County property record for 3203 Troy Ave, Lakeland, FL 33803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,087 sqft · built 1981
Lot Size	0.138 acres (6,007 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Sep 2023)
Tax Bill	$3,671 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-28-31-261500-011010`

Property Details

APN / Parcel Number

Primary APN	`24-28-31-261500-011010`
Alternative APNs	`312824261500011010` `12824000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,087 sqft Living Area
1st Floor Area	1,087 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,007 sqft (0.138 acres)
Lot Dimensions	122 ft deep x 50 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	247 sqft
Carport	Carport
Carport Area	247 sqft

Exterior Amenities

Pool House	Pool House
Porch	Unfinished Open Porch
Porch Area	20 sqft
Patio Area	100 sqft

Location & Zoning

Street Address	3203 TROY AVE
City	LAKELAND
State	FL
Zip	33803-4540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Description	SEMINOLE HEIGHTS PB 19 PG 34 BLK 11 LOT 1
Legal Range	24E
Legal Township	28S
Legal Section	31
Legal Subdivision	SEMINOLE HEIGHTS
Legal Tract	261500
Legal Block	11
Legal Lot Number	1
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2007
Census Tract	10601

Owner

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	3203 TROY AVE, LAKELAND, FL 33803-4540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jun 22, 2023	Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2023 · Amount on File
Deed Sale	Sep 21, 2023 · Amount on File
Prior Sale	Jun 22, 2023 · Amount on File
Deed Document Number	2023222919
Deed Book / Page	12845 / 1614
Prior Transfer Date	Jun 1, 2006
Prior Transfer Doc	0000183964
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 21, 2023
Property Address	3203 TROY AVE, LAKELAND, FL 33803-4540
Document Number	0000222919
Book / Page	12845 / 1614
Map Reference	MB 19 PG 34
Instrument Date	Sep 15, 2023
Instrument	2023222919
Transaction Type	Transfer
Record Updated	Oct 9, 2023
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5115 KIRKLAND RD, LAKELAND, FL 33811-1511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3203 TROY AVE, LAKELAND, FL 33803-4540

Mortgage

Document Number	0128451616
Date	Sep 21, 2023
Instrument	12845/1616

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 22, 2023
Property Address	3203 TROY AVE, LAKELAND, FL 33803-4540
Document Number	0000147327
Book / Page	12739 / 950
Map Reference	MB 19 PG 34
Instrument Date	Jun 16, 2023
Instrument	2023147327
Transaction Type	Transfer
Record Updated	Jul 5, 2023
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,071.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1118 S TERRY AVE, LAKELAND, FL 33815-3956

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5115 KIRKLAND RD, LAKELAND, FL 33811-1511

Mortgage

Document Number	0012739952
Date	Jun 22, 2023
Instrument	12739/952

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

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		$191,448 (-5.92%) Land $25,000 Building $166,448	$191,448 (-5.92%) Land $25,000 Building $166,448
2025	$3,671.00 (-3.17%)	$203,490 (+458.53%) Land $25,000 Building $178,490	$203,490 (+14.81%) Land $25,000 Building $178,490
2024	$3,791.00 (+1,722.6%)
2023	$208.00 (+9.47%)	$36,433 (+3%)	$177,241 (+7.02%) Land $24,000 Building $153,241
2022	$190.00 Homeowner's exemption	$35,372	$165,613 Land $23,000 Building $142,613

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

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

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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