296 Jyoti Dr, Davenport, FL 33837 Property Records

Polk County property record for 296 Jyoti Dr, Davenport, FL 33837

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,819 sqft · built 2018
Lot Size	0.165 acres (7,200 sqft)
Owner	Company Name on Record
Last Sale	$349,000 (Jan 2026)
Tax Bill	$2,315 (2025)
Deeds & Mortgages	May 2021 Mortgage Jan 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-32-709507-001340`

Property Details

APN / Parcel Number

Primary APN	`27-26-32-709507-001340`
Alternative APNs	`322627709507001340` `22627000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,819 sqft Living Area
Gross Area	2,439 sqft
1st Floor Area	806 sqft
Upper Floors Area	1,013 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	7,200 sqft (0.165 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	620 sqft
Porch	Finished/Open Porch
Porch Area	45 sqft

Location & Zoning

Street Address	296 JYOTI DR
City	DAVENPORT
State	FL
Zip	33837-9336
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARLISLE GRAND PHASE 2 PB 164 PGS 14-16 LOT 134
Legal Range	27E
Legal Township	26S
Legal Section	32
Legal Subdivision	CARLISLE GRAND PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	134
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1005
Census Tract	12514

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	Company Name on Record
Mailing Address	31071 CA-190, PORTERVILLE, CA 93257
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 15, 2026	Warranty Deed, Transfer · FHA Mortgage CITY LENDING INC
Jun 4, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Jul 1, 2019	Quit Claim Deed, Mortgage · FHA Mortgage FREEDOM MTG
Apr 30, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage FBC MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2026 · Amount on Record
Deed Sale	Jan 15, 2026 · Amount on Record
Prior Sale	Jul 1, 2019
Deed Document Number	202611123
Deed Book / Page	13846 / 1442
Prior Transfer Date	Jun 21, 2019
Prior Transfer Doc	0108920170
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	296 JYOTI DR, DAVENPORT, FL 33837-9336
Transaction Type	Mortgage
Record Updated	Jan 28, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 JYOTI DR, DAVENPORT, FL 33837-9336

Mortgage

Document Number	0000125527
Date	May 13, 2021
Book Page	11715/541
Instrument	2021125527

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Aug 1, 2050

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 15, 2026
Property Address	296 JYOTI DR, DAVENPORT, FL 33837-9336
Document Number	0000011123
Book / Page	13846 / 1442
Map Reference	MB 164 PG 14-16
Instrument Date	Oct 28, 2025
Instrument	2026011123
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	SIMPLY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,443.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	296 JYOTI DR, DAVENPORT, FL 33837-9336

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31071 CA-I 90 PORTERVILLE, POPLAR, CA 93257

Mortgage

Document Number	0138461444
Date	Jan 15, 2026
Instrument	13846/1444

Lender

Name	CITY LENDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2055

Mortgage

Document Number	0000011125
Date	Jan 15, 2026
Book Page	13846/1465
Instrument	2026011125

Lender

Name	CITY LENDING INC
Type	Mortgage Company
Address	MC LEAN, VA 22102

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Nov 1, 2045

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	296 JYOTI DR, DAVENPORT, FL 33837-9336
Document Number	0112630657
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	296 JYOTI DR DAVENPORT FL 338379336, DAVENPORT, FL 33837-9336

Mortgage

Document Number	0112630657
Date	Jun 12, 2020
Book Page	011263/000657
Instrument	116835

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2050

July 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jul 1, 2019
Property Address	296 JYOTI DR, DAVENPORT, FL 33837-9336
Document Number	0108920170
Book / Page	010892 / 000170
Instrument Date	Jun 21, 2019
Instrument	136234
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	296 JYOTI DR DAVENPORT FL 338379336, DAVENPORT, FL 33837-9336

Mortgage

Document Number	108920173
Date	Jul 1, 2019
Book Page	010892/000173
Instrument	136235

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2049

April 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Apr 30, 2018
Property Address	296 JYOTI DR, DAVENPORT, FL 33837-9336
Document Number	0104680732
Book / Page	010468 / 000732
Instrument Date	Mar 30, 2018
Instrument	90821
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 20, 2018
Title Company	PSH TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,644.02
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	296 JYOTI DR DAVENPORT FL 338379336, DAVENPORT, FL 33837-9336

Mortgage

Document Number	104680734
Date	Apr 30, 2018
Book Page	010468/000734
Instrument	90822

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2048

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		$248,634 (+13.38%) Land $58,000 Building $190,634	$248,634 (-8.52%) Land $58,000 Building $190,634
2025	$2,315.00 (-19.17%) Homeowner's exemption	$219,286 (+5.99%)	$271,798 (-5.33%) Land $58,000 Building $213,798
2024	$2,864.00 (+7.27%)
2023	$2,670.00 (+3.13%) Homeowner's exemption	$206,899 (+3%)	$287,103 (+18.52%) Land $56,000 Building $231,103
2022	$2,589.00 Homeowner's exemption	$200,873	$242,237 Land $46,000 Building $196,237

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 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

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	0.07% annual chance
Exposure	Direct burnable vegetation

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 499 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: Verizon.

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