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5949 Trophy Loop, Lakeland, FL 33811 Property Records

Polk County property record for 5949 Trophy Loop, Lakeland, FL 33811 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,035 sqft · built 2003
Lot Size0.279 acres (12,162 sqft)
OwnerIndividual Name on File
Last Sale$400,000 (May 2026)
Tax Bill$1,582 (2025)
Deeds & MortgagesAug 2025 Line of Credit
May 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN23-29-15-141576-003250

Property Details

APN / Parcel Number

Primary APN23-29-15-141576-003250
Alternative APN
  • 152923141576003250

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,035 sqft Living Area
Gross Area2,455 sqft
1st Floor Area2,035 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area12,162 sqft (0.279 acres)
Lot Dimensions120 ft deep x 99 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch
Porch Area132 sqft
Patio Area135 sqft

Location & Zoning

Street Address5949 TROPHY LOOP
CityLAKELAND
StateFL
Zip33811-2074
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDEER BROOKE SOUTH PB 89 PGS 15 16 & 17 LOT 325
Legal Range23E
Legal Township29S
Legal Section15
Legal SubdivisionDEER BROOKE SOUTH
Legal Block2
Legal Lot Number325
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group2
Census Block2016
Census Tract11909

Owner

Source: Polk County records · APN 23-29-15-141576-003250

Assessment roll updated June 23, 2026 · Last verified July 2026

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

Owner of RecordIndividual Name on File
Mailing Address5949 TROPHY LOOP, LAKELAND, FL 33811-2074
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Aug 20, 2025Deed of Trust, Mortgage · Line of Credit
NAVY FCU
May 05, 2026Warranty Deed, Transfer · Conventional Mortgage
SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 05, 2026 · Amount on Record
Deed SaleMay 05, 2026 · Amount on Record
Prior SaleSep 22, 2011 · Amount on Record
Deed Document Number2026106534
Deed Book / Page13984 / 556
Record UpdatedSep 20, 2026

August 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address5949 TROPHY LOOP, LAKELAND, FL 33811-2074
Transaction TypeMortgage
Record UpdatedMay 18, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address5949 TROPHY LOOP, LAKELAND, FL 33811-2074

Mortgage

Document Number0000195265
DateAug 20, 2025
Book Page13668/2099
Instrument2025195265
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeLine of Credit
AmountAmount Recorded
Term481 Months
DueSep 01, 2065
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 05, 2026
Property Address5949 TROPHY LOOP, LAKELAND, FL 33811-2074
Document Number0000106534
Book / Page13984 / 556
Instrument DateApr 30, 2026
Instrument2026.106534
Transaction TypeTransfer
Record UpdatedMay 19, 2026
Title CompanySUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$282,800.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5949 TROPHY LOOP, LAKELAND, FL 33811-2074
InvestorPossibly a Property Investor

Mortgage

Document Number0000106535,
DateMay 05, 2026
Book Page13984/559
Instrument2026.106535
Lender
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2056
Interest
Rate TypeFixed Rate
Rate6.22%
Initial TypeFixed Rate
Max Rate-1%

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$1,582.00 (-28.19%)$162,561 (+5.99%)$313,708 (-1.48%) Land $48,000 Building $265,708
2024$2,203.00 (+8.04%)
2023$2,039.00 (+4.46%) Homeowner's exemption$153,379 (+3%)$318,409 (+6.8%) Land $46,000 Building $272,409
2022$1,952.00 Homeowner's exemption$148,912$298,137 Land $44,000 Building $254,137

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050119092, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 23 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies23 in force
Nearby Flood Claims5 (2017–2024)
Claims Outside the SFHA2 of 5
Most Recent ClaimOct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm
  • Hurricane Milton, Oct 2024 · 4 claims

Wildfire

Wildfire RiskLow
above 7% of the US · above 6% of Florida
Wildfire LikelihoodAbout 1 in 2,500 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 253 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
SpectrumCable1,000 / 35
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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