281 Ludisia Loop, Davenport, FL 33837 Property Records

Polk County property record for 281 Ludisia Loop, Davenport, FL 33837

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,725 sqft · built 2019
Lot Size	0.127 acres (5,519 sqft)
Owner	2 Individual Names on File
Last Sale	$222,990 (Aug 2019)
Tax Bill	$4,062 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-27-08-727507-003140`

Property Details

APN / Parcel Number

Primary APN	`27-27-08-727507-003140`
Alternative APNs	`082727727507003140` `82727000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,725 sqft Living Area
Gross Area	2,124 sqft
1st Floor Area	1,725 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	5,519 sqft (0.127 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	399 sqft
Porch	Finished/Open Porch
Porch Area	144 sqft

Location & Zoning

Street Address	281 LUDISIA LOOP
City	DAVENPORT
State	FL
Zip	33837-3662
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORCHID GROVE PB 169 PGS 10-16 LOT 314
Legal Range	27E
Legal Township	27S
Legal Section	08
Legal Subdivision	ORCHID GROVE
Legal Block	1
Legal Lot Number	314
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1047
Census Tract	12514

Owner

281 Ludisia Loop is owned and occupied by two individuals who bought it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	281 LUDISIA LOOP, DAVENPORT, FL 33837-3662
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 18, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 6, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage VANDERBILT MORTGAGE & FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2019 · Amount on File
Deed Sale	Aug 6, 2019 · Amount on File
Deed Document Number	2019165002
Deed Book / Page	10931 / 2113
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	281 LUDISIA LOOP, DAVENPORT, FL 33837-3662
Document Number	0114040627
Instrument Date	Aug 18, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 LUDISIA LOOP DAVENPORT FL 338373662, DAVENPORT, FL 33837-3662

Mortgage

Document Number	0114040627
Date	Oct 7, 2020
Book Page	011404/000627
Instrument	210730

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	Oct 6, 2050

August 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Aug 6, 2019
Property Address	281 LUDISIA LOOP, DAVENPORT, FL 33837-3662
Document Number	0109312113
Book / Page	010931 / 002113
Instrument Date	Jul 31, 2019
Instrument	165002
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,561.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	281 LUDISIA LOOP DAVENPORT FL 338373662, DAVENPORT, FL 33837-3662

Mortgage

Document Number	109312114
Date	Aug 6, 2019
Book Page	010931/002114
Instrument	165003

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Bank
Address	ATLANTA, GA 30361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 281 Ludisia Loop was $4,062 with a homeowner's exemption.

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		$246,262 (-2.87%) Land $64,000 Building $182,262	$246,262 (-2.87%) Land $64,000 Building $182,262
2025	$4,062.00 Homeowner's exemption	$253,538 Land $64,000 Building $189,538	$253,538 Land $64,000 Building $189,538
2023	$6,867.00 (+1%) Homeowner's exemption	$271,633 (+3%)	$278,188 (+5.49%) Land $62,000 Building $216,188
2022	$6,799.00 Homeowner's exemption	$263,721 Land $52,000 Building $211,721	$263,721 Land $52,000 Building $211,721

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

Flood

FEMA maps place 281 Ludisia Loop in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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 File median of 30 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2024 · Hurricane Debby

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 281 Ludisia Loop is moderate, ranking above 56% 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 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% 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.

Drinking Water

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

Water System	CITY OF HAINES CITY serves 30,545 people · EPA ID FL6532232
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	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	None 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 410 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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