643 Troon Cir, Davenport, FL 33897 Property Records

Polk County property record for 643 Troon Cir, Davenport, FL 33897

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,982 sqft · built 2001
Lot Size	0.139 acres (6,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Nov 2020)
Tax Bill	$3,288 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Dec 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-25-23-999999-021030`

Property Details

APN / Parcel Number

Primary APN	`26-25-23-999999-021030`
Alternative APNs	`232526999999021030` `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	6,068 sqft (0.139 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	412 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	288 sqft
Porch	Screened/Unfinished Porch
Porch Area	146 sqft

Location & Zoning

Street Address	643 TROON CIR
City	DAVENPORT
State	FL
Zip	33897-7399
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 103
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	103
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1001
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	2 Individual Names on Record
Mailing Address	643 TROON CIR, DAVENPORT, FL 33897-7399
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Dec 20, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Nov 18, 2020	Warranty Deed, Transfer · Conventional Mortgage EAGLE HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2020 · Amount on Record
Deed Sale	Nov 18, 2020 · Amount on Record
Prior Sale	Jan 9, 2014 · Amount on Record
Deed Document Number	2020247743
Deed Book / Page	11460 / 2210
Last Transfer Date	Dec 15, 2021
Transfer Doc	0000329359
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	643 TROON CIR, DAVENPORT, FL 33897-7399
Transaction Type	Mortgage
Record Updated	Feb 28, 2024
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 TROON CIR, DAVENPORT, FL 33897-7399

Mortgage

Document Number	0000037138
Date	Feb 16, 2024
Book Page	13009/529
Instrument	2024037138

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Dec 20, 2021
Property Address	643 TROON CIR, DAVENPORT, FL 33897-7399
Document Number	0000329359
Book / Page	12032 / 1531
Map Reference	MB 110 PG 49-54
Instrument Date	Dec 15, 2021
Instrument	2021329359
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	643 TROON CIR, DAVENPORT, FL 33897-7399

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 18, 2020
Property Address	643 TROON CIR, DAVENPORT, FL 33897-7399
Document Number	0114602210
Book / Page	011460 / 002210
Instrument Date	Nov 6, 2020
Instrument	247743
Transaction Type	Transfer
Record Updated	Dec 3, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5204 TOMCIN TRL OAK LAWN IL 604536335, OAK LAWN, IL 60453-6335

Mortgage

Document Number	114602212
Date	Nov 18, 2020
Book Page	011460/002212
Instrument	247744

Lender

Name	EAGLE HM MTG
Type	Mortgage Company
Address	MIAMI, FL 33172-3139

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2050

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		$302,504 (+2.7%)	$349,519 (+3.27%) Land $130,000 Building $219,519
2025	$3,288.00 (-10.89%) Homeowner's exemption	$294,551 (+5.99%)	$338,444 (+2.28%) Land $130,000 Building $208,444
2023	$3,690.00 (+2.81%) Homeowner's exemption	$277,913 (+3%)	$330,892 (+22.64%) Land $125,000 Building $205,892
2022	$3,589.00 Homeowner's exemption	$269,818 Land $105,000 Building $164,818	$269,818 Land $105,000 Building $164,818

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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