Polk County property record for 397 Troon Ct, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,620 sqft · built 1977 |
| Lot Size | 0.136 acres (5,937 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $151,000 (Jul 2017) |
| Tax Bill | $649 (2025) |
| Deeds & Mortgages | Jul 2020 Line of Credit Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-28-29-000000-044080 |
| Primary APN | 27-28-29-000000-044080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| Gross Area | 2,202 sqft |
| 1st Floor Area | 1,440 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 5,937 sqft (0.136 acres) |
| Lot Dimensions | 125 ft deep x 47 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 582 sqft |
| Porch | Florida Room |
| Porch Area | 264 sqft |
| Street Address | 397 TROON CT |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1261 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | BEG 1027.04 FT N & 385.86 FT E OF SW COR OF SEC RUN N 50 DEG 01 30 E 47.5 FT S 34 DEG 02 38 E 125.79 FT S 50 DEG 01 30 W 47.5 FT N 34 DEG 02 38 W 125.79 FT TO POB BEING LOT 13 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 | 13 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 2 |
| Census Block | 2049 |
| Census Tract | 14123 |
397 Troon Ct is owned and occupied by two individuals who bought it in July 2017.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 397 TROON CT, WINTER HAVEN, FL 33884-1261 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 2, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK |
| Jul 25, 2017 | Warranty Deed, Transfer · Conventional Mortgage CITIZENS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 2017 · Amount on File |
| Deed Sale | Jul 25, 2017 · Amount on File |
| Prior Sale | Dec 18, 2008 · Amount on File |
| Deed Document Number | 2017141728 |
| Deed Book / Page | 10214 / 1554 |
| Transfer Doc | 3779001244 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 397 TROON CT, WINTER HAVEN, FL 33884-1261 |
| Document Number | 0113592144 |
| Instrument Date | Jul 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 397 TROON CT WINTER HAVEN FL 338841261, WINTER HAVEN, FL 33884-1261 |
| Document Number | 0113592144 |
|---|---|
| Date | Sep 2, 2020 |
| Book Page | 011359/002144 |
| Instrument | 181471 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 25, 2017 |
| Property Address | 397 TROON CT, WINTER HAVEN, FL 33884-1261 |
| Document Number | 0102141554 |
| Book / Page | 010214 / 001554 |
| Instrument Date | Jul 19, 2017 |
| Instrument | 141728 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,057.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 397 TROON CT WINTER HAVEN FL 338841261, WINTER HAVEN, FL 33884-1261 |
| Document Number | 102141557 |
|---|---|
| Date | Jul 25, 2017 |
| Book Page | 010214/001557 |
| Instrument | 141729 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 24, 2032 |
The 2025 property tax bill for 397 Troon Ct was $649 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 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 |
|---|---|---|---|
| 2026 | $92,912 (+2.7%) | $200,542 (-3.03%) Land $50,000 Building $150,542 | |
| 2025 | $649.00 Homeowner's exemption | $90,469 | $206,799 Land $50,000 Building $156,799 |
| 2023 | $1,073.00 (+5.4%) Homeowner's exemption | $85,358 (+3%) | $208,052 (+12.54%) Land $48,000 Building $160,052 |
| 2022 | $1,018.00 Homeowner's exemption | $82,872 | $184,875 Land $40,000 Building $144,875 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 397 Troon Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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.
Wildfire risk around 397 Troon Ct is moderate, ranking above 51% of the US, with a 0.2% annual chance of wildfire.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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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