304 Jyoti Dr, Davenport, FL 33837 Property Records

Polk County property record for 304 Jyoti Dr, Davenport, FL 33837

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,685 sqft · built 2018
Lot Size	0.165 acres (7,183 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (May 2022)
Tax Bill	$4,506 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-32-709507-001320`

Property Details

APN / Parcel Number

Primary APN	`27-26-32-709507-001320`
Alternative APNs	`322627709507001320` `22627000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,685 sqft Living Area
Gross Area	3,105 sqft
1st Floor Area	1,551 sqft
Upper Floors Area	1,134 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	7,183 sqft (0.165 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	292 sqft

Location & Zoning

Street Address	304 JYOTI DR
City	DAVENPORT
State	FL
Zip	33837-9329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARLISLE GRAND PHASE 2 PB 164 PGS 14-16 LOT 132
Legal Range	27E
Legal Township	26S
Legal Section	32
Legal Subdivision	CARLISLE GRAND PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	132
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1005
Census Tract	12514

Owner

304 Jyoti Dr is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	304 JYOTI DR, DAVENPORT, FL 33837-9329
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
May 6, 2022	Warranty Deed, Transfer · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING CORP
Aug 28, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Nov 20, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Apr 9, 2018	Grant Deed, Subdivision Related Transfer FBC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2022 · Amount on File
Deed Sale	May 6, 2022 · Amount on File
Prior Sale	Apr 9, 2018 · Amount on File
Deed Document Number	2022124282
Deed Book / Page	12242 / 1047
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 6, 2022
Property Address	304 JYOTI DR, DAVENPORT, FL 33837-9329
Document Number	0000124282
Book / Page	12242 / 1047
Map Reference	MB 164 PG 14
Instrument Date	Mar 29, 2022
Instrument	2022124282
Transaction Type	Transfer
Record Updated	May 19, 2022
Title Company	SIMPLY TITLE LLC, SIMPLY TITLE LLC KISSIMMEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,255.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2687 PINNACLE LN, 2687, CLERMONT, FL 34711-7535

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	304 JYOTI DR, DAVENPORT, FL 33837-9329

Mortgage

Document Number	0122421049
Date	May 6, 2022
Instrument	12242/1049

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	304 JYOTI DR, DAVENPORT, FL 33837-9329
Document Number	0113661931
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	304 JYOTI DR DAVENPORT FL 338379329, DAVENPORT, FL 33837-9329

Mortgage

Document Number	0113661931
Date	Sep 8, 2020
Book Page	011366/001931
Instrument	185763

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 7, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	304 JYOTI DR, DAVENPORT, FL 33837-9329
Document Number	0110581488
Instrument Date	Nov 20, 2019
Transaction Type	Mortgage
Record Updated	Dec 18, 2019
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	304 JYOTI DR DAVENPORT FL 338379329, DAVENPORT, FL 33837-9329

Mortgage

Document Number	0110581488
Date	Dec 2, 2019
Book Page	011058/001488
Instrument	254083

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

April 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Apr 9, 2018
Property Address	304 JYOTI DR, DAVENPORT, FL 33837-9329
Document Number	0104470354
Book / Page	010447 / 000354
Instrument Date	Mar 28, 2018
Instrument	74086
Transaction Type	Subdivision Related Transfer
Record Updated	May 3, 2018
Title Company	PSH TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,929.71
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	913 GASCONY CT FL, FL

Mortgage

Document Number	104470356
Date	Apr 9, 2018
Book Page	010447/000356
Instrument	74087

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 304 Jyoti Dr was $4,506.

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		$316,351 (-9.24%) Land $58,000 Building $258,351	$316,351 (-9.24%) Land $58,000 Building $258,351
2025	$4,506.00	$348,570 Land $58,000 Building $290,570	$348,570 Land $58,000 Building $290,570
2023	$5,357.00 (+12.87%)	$372,037 (+14.94%) Land $56,000 Building $316,037	$372,037 (+14.94%) Land $56,000 Building $316,037
2022	$4,746.00	$323,670 Land $46,000 Building $277,670	$323,670 Land $46,000 Building $277,670

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

Flood

FEMA maps place 304 Jyoti Dr 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 304 Jyoti Dr is low, with a 0.07% annual chance of 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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