Polk County property record for 396 Troon Ct, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,740 sqft · built 1978 |
| Lot Size | 0.156 acres (6,813 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $189,900 (Oct 2018) |
| Tax Bill | $1,446 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-28-29-000000-044090 |
| Primary APN | 27-28-29-000000-044090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,740 sqft Living Area |
| Gross Area | 2,322 sqft |
| 1st Floor Area | 1,608 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 6,813 sqft (0.156 acres) |
| Lot Dimensions | 125 ft deep x 53 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 582 sqft |
| Porch | Florida Room |
| Porch Area | 258 sqft |
| Cooling System | Central |
|---|
| Street Address | 396 TROON CT |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1260 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | BEG 832.19 FT N & 540.04 FT E OF SW COR OF SEC RUN N 88 DEG 41 41 E 125.53 FT N 07 DEG 53 30 W 60 FT S 84 DEG 08 30 W 123 FT S 05 DEG 51 30 E 50 FT TO POB BEING LOT 55 OF UNREC CYPRESSWOOD PATIO HOMES |
| Legal Range | 27E |
| Legal Township | 28S |
| Legal Section | 29 |
| Legal Subdivision | CYPRESSWOOD |
| Legal Tract | 000000 |
| Legal Block | 2 |
| Legal Lot Number | 55 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 14123 |
Source: Polk County assessment roll, as of June 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 396 TROON CT, WINTER HAVEN, FL 33884-1260 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 29, 2018 | Warranty Deed, Transfer · Conventional with PMI MORTGAGE FIRM |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 29, 2018 · Amount on Record |
| Deed Sale | Oct 29, 2018 · Amount on Record |
| Prior Sale | Apr 14, 2015 · Amount on Record |
| Deed Document Number | 2018226579 |
| Deed Book / Page | 10654 / 656 |
| Prior Transfer Date | Feb 14, 2006 |
| Prior Transfer Doc | 0000060653 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 396 TROON CT, WINTER HAVEN, FL 33884-1260 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 396 TROON CT, WINTER HAVEN, FL 33884-1260 |
| Document Number | 0000058907 |
|---|---|
| Date | Mar 4, 2022 |
| Book Page | 12145/997 |
| Instrument | 2022058907 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 29, 2018 |
| Property Address | 396 TROON CT, WINTER HAVEN, FL 33884-1260 |
| Document Number | 0106540656 |
| Book / Page | 010654 / 000656 |
| Instrument Date | Oct 26, 2018 |
| Instrument | 226579 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2018 |
| Title Company | INTEGRITY FIRST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,329.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 396 TROON CT WINTER HAVEN FL 338841260, WINTER HAVEN, FL 33884-1260 |
| Document Number | 106540658 |
|---|---|
| Date | Oct 29, 2018 |
| Book Page | 010654/000658 |
| Instrument | 226580 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 28, 2048 |
Source: Polk County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,446.00 (-21.24%) Homeowner's exemption | $152,081 (+5.99%) | $209,564 (-0.79%) Land $42,000 Building $167,564 |
| 2023 | $1,836.00 (+5.4%) Homeowner's exemption | $143,490 (+4.45%) | $211,229 (+11.97%) Land $40,000 Building $171,229 |
| 2022 | $1,742.00 Homeowner's exemption | $137,373 | $188,643 Land $34,000 Building $154,643 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 105 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 105 in force |
| Nearby Flood Claims | 3 (2017–2022) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| Water Quality | E. coli resolved · Sep 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 16 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.
Source: FCC Broadband Data Collection, based on 233 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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