276 Bergamot Loop, Davenport, FL 33837 Property Records

Polk County property record for 276 Bergamot Loop, Davenport, FL 33837

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,655 sqft · built 2020
Lot Size	0.139 acres (6,055 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Jul 2020)
Tax Bill	$4,547 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-27-05-726009-002710`

Property Details

APN / Parcel Number

Primary APN	`27-27-05-726009-002710`
Alternative APNs	`052727726009002710` `52727000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,655 sqft Living Area
Gross Area	3,055 sqft
1st Floor Area	1,120 sqft
Upper Floors Area	1,535 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	6,055 sqft (0.139 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch
Porch Area	30 sqft

Location & Zoning

Street Address	276 BERGAMOT LOOP
City	DAVENPORT
State	FL
Zip	33837-7721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITRUS POINTE PB 171 PGS 34-36 LOT 271
Legal Range	27E
Legal Township	27S
Legal Section	05
Legal Subdivision	CITRUS POINTE
Legal Block	1
Legal Lot Number	271
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1014
Census Tract	12515

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	Individual Name on Record
Mailing Address	276 BERGAMOT LOOP, DAVENPORT, FL 33837-7721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 10, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage EAGLE HM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2020 · Amount on Record
Deed Sale	Jul 10, 2020 · Amount on Record
Deed Document Number	2020138735
Deed Book / Page	11295 / 1031
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	276 BERGAMOT LOOP, DAVENPORT, FL 33837-7721
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 BERGAMOT LOOP, DAVENPORT, FL 33837-7721

Mortgage

Document Number	0000208219
Date	Aug 11, 2021
Book Page	11842/552
Instrument	2021208219

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

July 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jul 10, 2020
Property Address	276 BERGAMOT LOOP, DAVENPORT, FL 33837-7721
Document Number	0112951031
Book / Page	011295 / 001031
Instrument Date	Jun 26, 2020
Instrument	138735
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 29, 2020
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 BERGAMOT LOOP DAVENPORT FL 338377721, DAVENPORT, FL 33837-7721

Mortgage

Document Number	112951035
Date	Jul 10, 2020
Book Page	011295/001035
Instrument	138736

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2050

Tax Assessment & Valuation

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		$286,125 (+2.7%)	$295,585 (-7.59%) Land $58,000 Building $237,585
2025	$4,547.00 (-31.7%) Homeowner's exemption	$278,603 (+5.99%)	$319,849 (+4.62%) Land $58,000 Building $261,849
2023	$6,657.00 (+1.02%) Homeowner's exemption	$262,865 (+3%)	$305,730 (+8.73%) Land $56,000 Building $249,730
2022	$6,590.00 Homeowner's exemption	$255,209	$281,183 Land $46,000 Building $235,183

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 25 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	25 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

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.1% 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 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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