Polk County property record for 5925 Trophy Loop, Lakeland, FL 33811
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,259 sqft · built 1994 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $232,500 (Aug 2016) |
| Tax Bill | $3,014 (2025) |
| Deeds & Mortgages | Sep 2021 Second Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-29-15-141576-003210 |
| Primary APN | 23-29-15-141576-003210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,259 sqft Living Area |
| Gross Area | 2,756 sqft |
| 1st Floor Area | 2,259 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 120 ft deep x 96 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 497 sqft |
| Pool Area | 392 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 301 sqft |
| Cooling System | Central |
|---|
| Street Address | 5925 TROPHY LOOP |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33811-2074 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF1 |
| Legal Description | DEER BROOKE SOUTH PB 89 PGS 15 16 & 17 LOT 321 |
| Legal Range | 23E |
| Legal Township | 29S |
| Legal Section | 15 |
| Legal Subdivision | DEER BROOKE SOUTH |
| Legal Tract | 141576 |
| Legal Block | 2 |
| Legal Lot Number | 321 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 11909 |
Source: Polk County records, 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 Record |
|---|---|
| Mailing Address | 5925 TROPHY LOOP, LAKELAND, FL 33811-2074 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Feb 1, 2021 | Deed of Trust, Mortgage · VA Mortgage EMM LOANS LLC |
| Feb 15, 2017 | Deed of Trust, Mortgage · VA Mortgage SIERRA PACIFIC MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 2016 · Amount on Record |
| Deed Sale | Aug 12, 2016 · Amount on Record |
| Prior Sale | Jan 11, 1994 |
| Deed Document Number | 2016147317 |
| Deed Book / Page | 9904 / 1951 |
| Prior Transfer Date | Jan 20, 2014 |
| Prior Transfer Doc | 0000013915 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 5925 TROPHY LOOP, LAKELAND, FL 33811-2074 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5925 TROPHY LOOP, LAKELAND, FL 33811-2074 |
| Document Number | 0000239232 |
|---|---|
| Date | Sep 14, 2021 |
| Book Page | 11890/1188 |
| Instrument | 2021239232 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 9, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 5925 TROPHY LOOP, LAKELAND, FL 33811-2074 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5925 TROPHY LOOP, LAKELAND, FL 33811-2074 |
| Document Number | 0000025175 |
|---|---|
| Date | Feb 1, 2021 |
| Book Page | 11560/1351 |
| Instrument | 2021025175 |
| Name | EMM LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHERRY HILL, NJ 08002 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 5925 TROPHY LOOP, LAKELAND, FL 33811-2074 |
| Document Number | 0100740298 |
| Book / Page | 010074 / 000298 |
| Instrument Date | Feb 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5925 TROPHY LOOP LAKELAND FL 338112074, LAKELAND, FL 33811-2074 |
| Document Number | 0100740298 |
|---|---|
| Date | Feb 23, 2017 |
| Book Page | 010074/000298 |
| Instrument | 36183 |
| Name | SIERRA PACIFIC MTG |
|---|---|
| Type | Mortgage Company |
| Address | FOLSOM, CA 95630 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 22, 2047 |
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 | $3,014.00 (-11.64%) Homeowner's exemption | $273,360 (+5.99%) | $364,208 (-0.67%) Land $48,000 Building $316,208 |
| 2023 | $3,411.00 (+3.36%) Homeowner's exemption | $257,918 (+3%) | $366,653 (+8.23%) Land $46,000 Building $320,653 |
| 2022 | $3,300.00 Homeowner's exemption | $250,406 | $338,769 Land $44,000 Building $294,769 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 23 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 23 in force |
| Nearby Flood Claims | 5 (2017–2024) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 | Low lower than 93% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTHWEST/POLK COUNTY UTILITY serves 39,209 people · EPA ID FL6530852 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 11 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 253 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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