453 Troon Cir, Davenport, FL 33897 Property Records

Polk County property record for 453 Troon Cir, Davenport, FL 33897

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,982 sqft · built 2001
Lot Size	0.138 acres (5,998 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Apr 2016)
Tax Bill	$2,362 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-25-23-999999-020970`

Property Details

APN / Parcel Number

Primary APN	`26-25-23-999999-020970`
Alternative APNs	`232526999999020970` `32526000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,982 sqft Living Area
Gross Area	2,394 sqft
1st Floor Area	1,310 sqft
Upper Floors Area	672 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,998 sqft (0.138 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	412 sqft
Porch	Screened/Unfinished Porch
Porch Area	146 sqft

Location & Zoning

Street Address	453 TROON CIR
City	DAVENPORT
State	FL
Zip	33897-6313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLANDS RESERVE PHASES 2 & 4 SECTIONS 23 & 24 T25 R26 PB 110 PGS 49-54 PHASE 2 LOT 97
Legal Range	26E
Legal Township	25S
Legal Section	23
Legal Subdivision	HIGHLANDS RESERVE PHASES 2 AND 4
Legal Phase	2
Legal Tract	999999
Legal Block	1
Legal Lot Number	97
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1024
Census Tract	12413

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	453 TROON CIR, DAVENPORT, FL 33897-6313
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage PNC BK NATL ASSN
Sep 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2016 · Amount on Record
Deed Sale	Apr 13, 2016 · Amount on Record
Prior Sale	Mar 3, 2004 · Amount on Record
Deed Document Number	201664675
Deed Book / Page	9794 / 223
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	453 TROON CIR, DAVENPORT, FL 33897-6313
Transaction Type	Mortgage
Record Updated	Jan 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	453 TROON CIR, DAVENPORT, FL 33897-6313

Mortgage

Document Number	0000334639
Date	Dec 29, 2022
Book Page	12534/749
Instrument	2022334639

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Dec 14, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	453 TROON CIR, DAVENPORT, FL 33897-6313
Document Number	0114260697
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Nov 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	453 TROON CIR DAVENPORT FL 338976313, DAVENPORT, FL 33897-6313

Mortgage

Document Number	0114260697
Date	Oct 23, 2020
Book Page	011426/000697
Instrument	225235

Lender

Name	PNC BK NATL ASSN
Address	WILMINGTON, DE 19801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Oct 22, 2060

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	453 TROON CIR, DAVENPORT, FL 33897-6313
Document Number	0102780718
Book / Page	010278 / 000718
Instrument Date	Sep 28, 2017
Transaction Type	Mortgage
Record Updated	Oct 31, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	453 TROON CIR DAVENPORT FL 338976313, DAVENPORT, FL 33897-6313

Mortgage

Document Number	0102780718
Date	Oct 5, 2017
Book Page	010278/000718
Instrument	190314

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 4, 2032

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$228,914 (+2.7%)	$304,477 (-4.93%) Land $90,000 Building $214,477
2025	$2,362.00 (-15.73%) Homeowner's exemption	$222,896 (+5.99%)	$320,253 (+1.9%) Land $90,000 Building $230,253
2023	$2,803.00 (+3.17%) Homeowner's exemption	$210,305 (+3%)	$314,288 (+16.74%) Land $88,000 Building $226,288
2022	$2,717.00 Homeowner's exemption	$204,180	$269,213 Land $74,000 Building $195,213

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
Flood Insurance Cost	Premium on Record median of 28 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2024 · Hurricane Milton

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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 608 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Hotwire Communications.

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