3223 Troy Ave, Lakeland, FL 33803 Property Records

Polk County property record for 3223 Troy Ave, Lakeland, FL 33803

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,386 sqft · built 1981
Lot Size	0.14 acres (6,094 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Aug 2017)
Tax Bill	$723 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-28-31-261500-011060`

Property Details

APN / Parcel Number

Primary APN	`24-28-31-261500-011060`
Alternative APNs	`312824261500011060` `12824000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,386 sqft Living Area
1st Floor Area	1,134 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Metal
Lot Area	6,094 sqft (0.14 acres)
Lot Dimensions	121 ft deep x 50 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Porch	Florida Room
Porch Area	252 sqft
Shed	1 Shed

Location & Zoning

Street Address	3223 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 6
Legal Range	24E
Legal Township	28S
Legal Section	31
Legal Subdivision	SEMINOLE HEIGHTS
Legal Tract	261500
Legal Block	11
Legal Lot Number	6
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	3223 TROY AVE, LAKELAND, FL 33803-4540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 7, 2017	Grant Deed, Transfer · Conventional with PMI SUNBELT LNDG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2017 · Amount on File
Deed Sale	Aug 7, 2017 · Amount on File
Prior Sale	Oct 31, 1995 · Amount on File
Deed Document Number	2017150532
Deed Book / Page	10226 / 1161
Prior Transfer Date	Oct 13, 2012
Prior Transfer Doc	0000209474
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3223 TROY AVE, LAKELAND, FL 33803-4540
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3223 TROY AVE, LAKELAND, FL 33803-4540

Mortgage

Document Number	0000166741
Date	Jun 28, 2021
Book Page	11779/143
Instrument	2021166741

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Aug 7, 2017
Property Address	3223 TROY AVE, LAKELAND, FL 33803-4540
Document Number	0102261161
Book / Page	010226 / 001161
Instrument Date	Aug 2, 2017
Instrument	150532
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$595.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3223 TROY AVE LAKELAND FL 338034540, LAKELAND, FL 33803-4540

Mortgage

Document Number	102261163
Date	Aug 7, 2017
Book Page	010226/001163
Instrument	150533

Lender

Name	SUNBELT LNDG SVCS
Address	CLEARWATER, FL 33759

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2047

Mortgage

Document Number	102261174,
Date	Aug 7, 2017
Book Page	010226/001174
Instrument	150534

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Amount	Amount on Record

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		$90,675 (+2.7%)	$134,167 (+3.53%) Land $25,000 Building $109,167
2025	$723.00 (+11.06%) Homeowner's exemption	$88,291 (+5.99%)	$129,588 (-2%) Land $25,000 Building $104,588
2023	$651.00 (-6.47%) Homeowner's exemption	$83,304 (+3%)	$132,231 (+10.62%) Land $24,000 Building $108,231
2022	$696.00 Homeowner's exemption	$80,878	$119,539 Land $23,000 Building $96,539

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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