317 Kettering Rd, Davenport, FL 33897 Property Records

Polk County property record for 317 Kettering Rd, Davenport, FL 33897

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,097 sqft · built 2005
Lot Size	0.164 acres (7,148 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Jan 2017)
Tax Bill	$2,757 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Mar 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-25-11-486251-002160`

Property Details

APN / Parcel Number

Primary APN	`26-25-11-486251-002160`
Alternative APNs	`112526486251002160` `12526000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,097 sqft Living Area
Gross Area	3,698 sqft
1st Floor Area	1,527 sqft
Upper Floors Area	1,570 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	7,148 sqft (0.164 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Pool Type	Enclosed Pool
Porch	Florida Room
Porch Area	274 sqft

Location & Zoning

Street Address	317 KETTERING RD
City	DAVENPORT
State	FL
Zip	33897-7740
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEGACY PARK - PHASE TWO PB 127 PGS 16-18 LOT 216
Legal Range	26E
Legal Township	25S
Legal Section	11
Legal Subdivision	LEGACY PARK - PHASE TWO
Legal Phase	2
Legal Tract	486251
Legal Block	2
Legal Lot Number	216
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	2
Census Block	2009
Census Tract	12412

Owner

317 Kettering Rd is owned and occupied by two individuals who bought it in January 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	317 KETTERING RD, DAVENPORT, FL 33897-7740
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
Jul 27, 2023	Deed of Trust, Mortgage · Line of Credit PARTNERS FCU
Mar 25, 2022	Deed of Trust, Mortgage · Line of Credit PARTNERS FCU
Dec 23, 2019	Deed of Trust, Mortgage · Conventional with PMI STEARNS LNDG LLC
Jan 13, 2017	Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2017 · Amount on File
Deed Sale	Jan 13, 2017 · Amount on File
Prior Sale	Mar 9, 2009 · Amount on File
Deed Document Number	20177932
Deed Book / Page	10038 / 702
Prior Transfer Date	Nov 7, 2005
Prior Transfer Doc	0000037860
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	317 KETTERING RD, DAVENPORT, FL 33897-7740
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 KETTERING RD, DAVENPORT, FL 33897-7740

Mortgage

Document Number	0000175228
Date	Jul 27, 2023
Book Page	12779/626
Instrument	2023175228

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 26, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	317 KETTERING RD, DAVENPORT, FL 33897-7740
Transaction Type	Mortgage
Record Updated	Apr 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 KETTERING RD, DAVENPORT, FL 33897-7750

Mortgage

Document Number	0000081450
Date	Mar 25, 2022
Book Page	12178/1730
Instrument	2022081450

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Apr 21, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	317 KETTERING RD, DAVENPORT, FL 33897-7740
Document Number	0110921829
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 21, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	317 KETTERING RD DAVENPORT FL 338977740, DAVENPORT, FL 33897-7740

Mortgage

Document Number	0110921829
Date	Dec 31, 2019
Book Page	011092/001829
Instrument	277339

Lender

Name	STEARNS LNDG LLC
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2049

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 13, 2017
Property Address	317 KETTERING RD, DAVENPORT, FL 33897-7740
Document Number	0100380702
Book / Page	010038 / 000702
Instrument Date	Jan 11, 2017
Instrument	7932
Transaction Type	Transfer
Record Updated	Jan 30, 2017
Title Company	WATSON TITLE SERVICES INC, WATSON TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	317 KETTERING RD DAVENPORT FL 338977740, DAVENPORT, FL 33897-7740

Mortgage

Document Number	100380704,
Date	Jan 13, 2017
Book Page	010038/000704
Instrument	7933

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 317 Kettering Rd was $2,757 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		$260,303 (+2.7%)	$368,493 (-2.96%) Land $74,000 Building $294,493
2025	$2,757.00 Homeowner's exemption	$253,460	$379,729 Land $74,000 Building $305,729
2023	$2,940.00 (+2.8%) Homeowner's exemption	$239,143 (+3%)	$395,045 (+21.43%) Land $72,000 Building $323,045
2022	$2,860.00 Homeowner's exemption	$232,178	$325,319 Land $60,000 Building $265,319

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

Flood

FEMA maps place 317 Kettering Rd in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 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 317 Kettering Rd is moderate, ranking above 63% 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 63% of the US · lower than 61% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach

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	NORTHEAST serves 60,557 people · EPA ID FL6530617
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Nov 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 35

May also be available: Hotwire Communications, Verizon.

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