109 Cloverbrook Trl, Davenport, FL 33837 Property Records

Polk County property record for 109 Cloverbrook Trl, Davenport, FL 33837

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,041 sqft · built 2020
Lot Size	0.251 acres (10,916 sqft)
Owner	2 Individual Names on File
Last Sale	$268,900 (Dec 2020)
Tax Bill	$3,290 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-27-11-737502-000280`

Property Details

APN / Parcel Number

Primary APN	`27-27-11-737502-000280`
Alternative APNs	`112727737502000280` `12727000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,041 sqft Living Area
Gross Area	2,524 sqft
1st Floor Area	2,041 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	10,916 sqft (0.251 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	483 sqft
Porch	Screened/Unfinished Porch
Porch Area	186 sqft

Location & Zoning

Street Address	109 CLOVERBROOK TRL
City	DAVENPORT
State	FL
Zip	33837-9344
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PREAKNESS PRESERVE PB 173 PGS 4-5 LOT 28
Legal Range	27E
Legal Township	27S
Legal Section	11
Legal Subdivision	PREAKNESS PRESERVE
Legal Block	4
Legal Lot Number	28
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	4
Census Block	4040
Census Tract	12502

Owner

109 Cloverbrook Trl is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	109 CLOVERBROOK TRL, DAVENPORT, FL 33837-9344
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage · Line of Credit FREEDOM MORTGAGE CORPORATION
Aug 19, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 8, 2020	Grant Deed, Subdivision Related Transfer · VA Mortgage HOMEBRIDGE FIN'L SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2020 · Amount on File
Deed Sale	Dec 8, 2020 · Amount on File
Deed Document Number	2020262571
Deed Book / Page	11483 / 1700
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Aug 28, 2026
Property Address	109 CLOVERBROOK TRL, DAVENPORT, FL 33837-9344
Document Number	0000210736
Book / Page	14134 / 2140
Instrument Date	Aug 21, 2026
Instrument	2026210736
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CLOVERBROOK TRL, DAVENPORT, FL 33837-9344

Mortgage

Document Number	0000210736,
Date	Aug 28, 2026
Book Page	14134/2140
Instrument	2026210736

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 16, 2046

Interest

Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	109 CLOVERBROOK TRL, DAVENPORT, FL 33837-9344
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CLOVERBROOK TRL, DAVENPORT, FL 33837-9344

Mortgage

Document Number	0000217460
Date	Aug 19, 2021
Book Page	11856/424
Instrument	2021217460

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

December 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 8, 2020
Property Address	109 CLOVERBROOK TRL, DAVENPORT, FL 33837-9344
Document Number	0114831700
Book / Page	011483 / 001700
Instrument Date	Nov 30, 2020
Instrument	262571
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 23, 2020
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,882.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 CLOVERBROOK TRL DAVENPORT FL 338379344, DAVENPORT, FL 33837-9344

Mortgage

Document Number	114831702
Date	Dec 8, 2020
Book Page	011483/001702
Instrument	262572

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 7, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 109 Cloverbrook Trl was $3,290 with exemptions applied.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$246,634 (+2.7%)	$274,834 (-2.1%) Land $62,000 Building $212,834
2025	$3,290.00 Homeowner's exemption	$240,150	$280,733 Land $62,000 Building $218,733
2023	$3,131.00 (+2.19%) Homeowner's exemption	$226,584 (+3%)	$289,389 (+13.27%) Land $60,000 Building $229,389
2022	$3,064.00 Homeowner's exemption	$219,984	$255,494 Land $50,000 Building $205,494

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 109 Cloverbrook Trl 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 112 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	112 in force
Nearby Flood Claims	1 (2024)
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

Wildfire risk around 109 Cloverbrook Trl is high, ranking above 73% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 73% of the US · above 57% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF DAVENPORT serves 9,043 people · EPA ID FL6530431
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Summit Broadband.

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