1354 Congo Dr, Poinciana (Kissimmee), FL 34759 Property Records

Polk County property record for 1354 Congo Dr, Poinciana, FL 34759

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,936 sqft · built 2006
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Feb 2022)
Tax Bill	$2,214 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Feb 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`28-27-33-934460-438060`

Property Details

APN / Parcel Number

Primary APN	`28-27-33-934460-438060`
Alternative APNs	`332728934460438060` `32728000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,936 sqft Living Area
Gross Area	2,356 sqft
1st Floor Area	1,096 sqft
Upper Floors Area	840 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	7,000 sqft (0.161 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	1354 CONGO DR
City	KISSIMMEE
State	FL
Zip	34759-4605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	POINCIANA NEIGHBORHOOD 2 WEST VILLAGE 7 PB 55 PGS 5/18 BLK 438 LOT 6
Legal Range	28E
Legal Township	27S
Legal Section	33
Legal Subdivision	POINCIANA NBRHD 2 WEST VILL 7
Legal Tract	934460
Legal Block	438
Legal Lot Number	6
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	3
Census Block	3053
Census Tract	14127

Owner

1354 Congo Dr is owned and occupied by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1354 CONGO DR, KISSIMMEE, FL 34759-4605
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 3, 2022	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 15, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Nov 12, 2019	Warranty Deed, Transfer NU WORLD TITLE/CTRL FL LLC
May 13, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 13, 2019	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2022 · Amount on File
Deed Sale	Feb 15, 2022 · Amount on File
Prior Sale	Nov 12, 2019 · Amount on File
Deed Document Number	202241168
Deed Book / Page	12117 / 1083
Prior Transfer Date	May 13, 2013
Prior Transfer Doc	0089910027
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1354 CONGO DR, POINCIANA, FL 34759-4605
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 ANISE CT, KISSIMMEE, FL 34759-5302

Mortgage

Document Number	0000211764
Date	Aug 3, 2022
Book Page	12366/1456
Instrument	2022211764

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	355 Months
Due	Mar 1, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 15, 2022
Property Address	1354 CONGO DR, POINCIANA, FL 34759-4605
Document Number	0000041168
Book / Page	12117 / 1083
Map Reference	MB 55 PG 5
Instrument Date	Feb 11, 2022
Instrument	2022041168
Transaction Type	Transfer
Record Updated	Mar 1, 2022
Title Company	ALPHA RELIABLE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	119 W STRATFORD AVE, 119, LANSDOWNE, PA 19050-1801

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1354 CONGO DR, POINCIANA, FL 34759-4605

Mortgage

Document Number	0121171085
Date	Feb 15, 2022
Instrument	12117/1085

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 12, 2019
Property Address	1354 CONGO DR, POINCIANA, FL 34759-4605
Document Number	0110361955
Book / Page	011036 / 001955
Instrument Date	Oct 31, 2019
Instrument	238865
Transaction Type	Transfer
Record Updated	Nov 27, 2019
Title Company	NU WORLD TITLE/CTRL FL LLC

Transaction

Amount	Amount on Record
Tax	$1,288.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1354 CONGO DR POINCIANA FL 347594605, POINCIANA, FL 34759-4605

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1354 CONGO DR, POINCIANA, FL 34759-4605
Document Number	0108680433
Instrument Date	May 13, 2019
Transaction Type	Mortgage
Record Updated	Jun 21, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1354 CONGO DR POINCIANA FL 347594605, POINCIANA, FL 34759-4605

Mortgage

Document Number	0108680433
Date	Jun 7, 2019
Book Page	010868/000433
Instrument	118576

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2049

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	1354 CONGO DR, POINCIANA, FL 34759-4605
Document Number	0108790310
Instrument Date	May 13, 2019
Transaction Type	Mortgage
Record Updated	Jun 28, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1354 CONGO DR POINCIANA FL 347594605, POINCIANA, FL 34759-4605

Mortgage

Document Number	0108790310
Date	Jun 19, 2019
Book Page	010879/000310
Instrument	126672

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2049

Interest

Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 1354 Congo Dr was $2,214 with a homeowner's exemption.

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		$216,596 (+2.7%)	$241,459 (+14.49%) Land $40,000 Building $201,459
2025	$2,214.00 Homeowner's exemption	$210,902 Land $40,000 Building $170,902	$210,902 Land $40,000 Building $170,902
2023	$2,856.00 (+40.48%) Homeowner's exemption	$220,884 (+38.77%) Land $40,000 Building $180,884	$220,884 (+15.92%) Land $40,000 Building $180,884
2022	$2,033.00	$159,168	$190,542 Land $28,000 Building $162,542

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

Flood

FEMA maps place 1354 Congo Dr 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 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force

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 1354 Congo Dr is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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	TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 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	2 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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Congo Dr

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