3216 Troy Ave, Lakeland, FL 33803 Property Records

Polk County property record for 3216 Troy Ave, Lakeland, FL 33803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,233 sqft · built 2000
Lot Size	0.207 acres (8,999 sqft)
Owner	Individual Name on File
Last Sale	$14,500 (Jul 2000)
Tax Bill	$397 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`24-28-31-261500-012080`

Property Details

APN / Parcel Number

Primary APN	`24-28-31-261500-012080`
Alternative APNs	`312824261500012080` `12824000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,233 sqft Living Area
Gross Area	1,453 sqft
1st Floor Area	1,233 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	8,999 sqft (0.207 acres)
Lot Dimensions	120 ft deep x 75 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	220 sqft
Porch	Unfinished Open Porch
Porch Area	115 sqft

Location & Zoning

Street Address	3216 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 LOTS 8 N1/2 & 9
Legal Range	24E
Legal Township	28S
Legal Section	31
Legal Subdivision	SEMINOLE HEIGHTS
Legal Tract	261500
Legal Block	12
Legal Lot Number	8
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	PO BOX 25164, LAKELAND, FL 33802-5164
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
May 12, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2000 · Amount on File
Deed Sale	Jul 21, 2000 · Amount on File
Prior Sale	Nov 23, 1999 · Amount on File
Deed Book / Page	4498 / 1610
Last Transfer Date	Dec 29, 2008
Transfer Doc	0000215401
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3216 TROY AVE, LAKELAND, FL 33803-4541
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3216 TROY AVE, LAKELAND, FL 33803-4541
Investor	Possibly a Property Investor

Mortgage

Document Number	0000249284
Date	Sep 23, 2021
Book Page	11907/200
Instrument	2021249284

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3216 TROY AVE, LAKELAND, FL 33803-4541
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3216 TROY AVE, LAKELAND, FL 33803-4541
Investor	Possibly a Property Investor

Mortgage

Document Number	0000111595
Date	May 12, 2023
Book Page	12689/1272
Instrument	2023111595

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 29, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$48,331 (+2.7%)	$223,967 (+3.96%) Land $31,250 Building $192,717
2025	$397.00 (+12.46%) Homeowner's exemption	$47,060 (+5.99%)	$215,437 (-2.77%) Land $31,250 Building $184,187
2023	$353.00 (+6.33%) Homeowner's exemption	$44,402 (+3%)	$221,576 (+7%) Land $30,000 Building $191,576
2022	$332.00 Homeowner's exemption	$43,109	$207,085 Land $28,750 Building $178,335

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

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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