428 Bent Oak Loop, Davenport, FL 33837 Property Records

Polk County property record for 428 Bent Oak Loop, Davenport, FL 33837

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,690 sqft · built 1996
Lot Size	0.22 acres (9,596 sqft)
Owner	2 Individual Names on File
Last Sale	$263,000 (Oct 2020)
Tax Bill	$3,085 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-26-10-701301-001960`

Property Details

APN / Parcel Number

Primary APN	`27-26-10-701301-001960`
Alternative APNs	`102627701301001960` `02627000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,690 sqft Living Area
Gross Area	1,740 sqft
1st Floor Area	1,340 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	9,596 sqft (0.22 acres)
Lot Dimensions	125 ft deep x 76 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Unfinished Open Porch
Porch Area	45 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	428 BENT OAK LOOP
City	DAVENPORT
State	FL
Zip	33837-5786
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNRIDGE WOODS PH 3 PB 98 PGS 2 & 3 LOT 196
Legal Range	27E
Legal Township	26S
Legal Section	10
Legal Subdivision	SUNRIDGE WOODS PHASE 03
Legal Phase	3
Legal Tract	701301
Legal Block	1
Legal Lot Number	196
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1027
Census Tract	12506

Owner

428 Bent Oak Loop is owned and occupied by two individuals who bought it in October 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	428 BENT OAK LOOP, DAVENPORT, FL 33837-5786
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2020 · Amount on File
Deed Sale	Oct 30, 2020 · Amount on File
Prior Sale	Mar 3, 2016 · Amount on File
Deed Document Number	2020232314
Deed Book / Page	11437 / 1292
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 30, 2020
Property Address	428 BENT OAK LOOP, DAVENPORT, FL 33837-5786
Document Number	0114371292
Book / Page	011437 / 001292
Instrument Date	Oct 28, 2020
Instrument	232314
Transaction Type	Transfer
Record Updated	Nov 12, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,841.00
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	428 BENT OAK LOOP DAVENPORT FL 338375786, DAVENPORT, FL 33837-5786

Mortgage

Document Number	114371294
Date	Oct 30, 2020
Book Page	011437/001294
Instrument	232315

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 428 Bent Oak Loop was $3,085 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		$275,627 (-1.16%) Land $52,000 Building $223,627	$275,627 (-7.35%) Land $52,000 Building $223,627
2025	$3,085.00 Homeowner's exemption	$278,870	$297,491 Land $52,000 Building $245,491
2023	$3,457.00 (+3.1%) Homeowner's exemption	$263,117 (+3%)	$302,678 (+18.49%) Land $50,000 Building $252,678
2022	$3,353.00 Homeowner's exemption	$255,453 Land $42,000 Building $213,453	$255,453 Land $42,000 Building $213,453

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

Flood

FEMA maps place 428 Bent Oak Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 23 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	2 (2002–2004)
Most Recent Claim	Sep 2004 · Hurricane Frances

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 428 Bent Oak Loop is moderate, ranking above 52% 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 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 244 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
Verizon Fixed Wireless	300 / 20