409 Rum Run, Davenport, FL 33897 Property Records

Polk County property record for 409 Rum Run, Davenport, FL 33897

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,655 sqft · built 2006
Lot Size	0.008 acres (353 sqft)
Owner	2 Individual Names on Record
Last Sale	$258,000 (Feb 2023)
Tax Bill	$2,559 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-25-12-999967-343010`

Property Details

APN / Parcel Number

Primary APN	`26-25-12-999967-343010`
Alternative APNs	`122526999967343010` `22526000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,655 sqft Living Area
1st Floor Area	1,655 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Condo/Apartment
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	353 sqft (0.008 acres)
Porch	Screened/Unfinished Porch
Porch Area	108 sqft

Location & Zoning

Street Address	409 RUM RUN, 34301
City	DAVENPORT
State	FL
Zip	33897
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BAHAMA BAY, A CONDOMINIUM CONDO BK 17 PGS 31 THRU 35 OR 6543 PGS 1649 THRU 1665 PHASE 34 UNIT 34301 & AN UNDIVIDED INTEREST IN THE COMMON ELEMENTS AS PER CONDO DECLARATION
Legal Range	26E
Legal Township	25S
Legal Section	12
Legal Subdivision	BAHAMA BAY, A CONDOMINIUM
Legal Phase	34
Legal Tract	999967
Legal Block	1
Legal Unit	34301
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1013
Census Tract	12415

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	2 Individual Names on Record
Mailing Address	2636 CALIFORNIA DR, PORT HURON, MI 48060-2340
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage CITADEL SERVICING CORPORATION
Feb 1, 2023	Warranty Deed, Transfer · Conventional Mortgage CITADEL SERVICING CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2023 · Amount on Record
Deed Sale	Feb 1, 2023 · Amount on Record
Prior Sale	May 29, 2009 · Amount on Record
Deed Document Number	202325201
Deed Book / Page	12569 / 1240
Prior Transfer Date	Mar 5, 2009
Prior Transfer Doc	0000045573
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	409 RUM RUN, DAVENPORT, FL 33897
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2636 CALIFORNIA DR, PORT HURON, MI 48060-2340

Mortgage

Document Number	0000050223
Date	Mar 3, 2023
Book Page	12601/1702
Instrument	2023050223

Lender

Name	CITADEL SERVICING CORPORATION
Type	Non-Lending Institution
Address	LAKE FOREST, CA 92630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2053

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 1, 2023
Property Address	409 RUM RUN, DAVENPORT, FL 33897
Document Number	0000025201
Book / Page	12569 / 1240
Map Reference	MB 17 PG 31
Instrument Date	Jan 26, 2023
Instrument	2023025201
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,806.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 RUM RUN, DAVENPORT, FL 33897

Mortgage

Document Number	0125691241
Date	Feb 1, 2023
Instrument	12569/1241

Lender

Name	CITADEL SERVICING CORPORATION
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

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		$190,500 (-3.79%) Land $100 Building $190,400	$190,500 (-3.79%) Land $100 Building $190,400
2025	$2,559.00 (-13.52%)	$198,000 (-6.38%) Land $100 Building $197,900	$198,000 (-6.38%) Land $100 Building $197,900
2023	$2,959.00 (+41.04%)	$211,500 (+20.86%) Land $100 Building $211,400	$211,500 (+20.86%) Land $100 Building $211,400
2022	$2,098.00	$175,000 Land $100 Building $174,900	$175,000 Land $100 Building $174,900

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 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 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 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, Xfinity.

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