438 Bent Oak Loop, Davenport, FL 33837 Property Records

Polk County property record for 438 Bent Oak Loop, Davenport, FL 33837 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,486 sqft · built 1996
Lot Size	0.22 acres (9,596 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Sep 2019)
Tax Bill	$2,034 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-10-701301-001950`

Property Details

APN / Parcel Number

Primary APN	`27-26-10-701301-001950`
Alternative APNs	`102627701301001950` `02627000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,486 sqft Living Area
Gross Area	1,906 sqft
1st Floor Area	1,486 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable
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	420 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	438 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 195
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	195
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1027
Census Tract	12506

Owner

Source: Polk County records · APN 27-26-10-701301-001950

Assessment roll updated June 23, 2026 · Last verified July 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 File
Mailing Address	438 BENT OAK LOOP, DAVENPORT, FL 33837-5786
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 08, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Sep 20, 2019	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS
Mar 18, 2019	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 20, 2019 · Amount on Record
Deed Sale	Sep 20, 2019 · Amount on Record
Prior Sale	Jan 09, 2012 · Amount on Record
Deed Document Number	2019199912
Deed Book / Page	10980 / 944
Transfer Doc	3844001989
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	438 BENT OAK LOOP, DAVENPORT, FL 33837-5786
Document Number	0115372123
Instrument Date	Jan 08, 2021
Transaction Type	Mortgage
Record Updated	Jan 29, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	438 BENT OAK LOOP DAVENPORT FL 338375786, DAVENPORT, FL 33837-5786

Mortgage

Document Number	0115372123
Date	Jan 14, 2021
Book Page	011537/002123
Instrument	10353

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 13, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 20, 2019
Property Address	438 BENT OAK LOOP, DAVENPORT, FL 33837-5786
Document Number	0109800944
Book / Page	010980 / 000944
Instrument Date	Sep 19, 2019
Instrument	199912
Transaction Type	Transfer
Record Updated	Oct 09, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	438 BENT OAK LOOP DAVENPORT FL 338375786, DAVENPORT, FL 33837-5786

Mortgage

Document Number	109800946
Date	Sep 20, 2019
Book Page	010980/000946
Instrument	199913

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 18, 2019
Property Address	438 BENT OAK LOOP, DAVENPORT, FL 33837-5786
Document Number	0107800031
Book / Page	010780 / 000031
Instrument Date	Feb 26, 2019
Instrument	53139
Transaction Type	Transfer
Record Updated	Apr 01, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1505 LEGENDS BLVD #1 CHAMPIONS GATE FL 338968300, 1, CHAMPIONS GATE, FL 33896-8300

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,034.00 (-16.84%) Homeowner's exemption	$202,519 (+5.99%)	$265,866 (-2.27%) Land $52,000 Building $213,866
2023	$2,446.00 (+3.78%) Homeowner's exemption	$191,079 (+3%)	$272,035 (+13.82%) Land $50,000 Building $222,035
2022	$2,357.00 Homeowner's exemption	$185,514	$239,002 Land $42,000 Building $197,002

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050125061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 23 individual NFIP policies nearby
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, rainfall accumulation, Hurricane Frances

Wildfire

Wildfire Risk	Moderate above 52% of the US · above 23% of Florida
Wildfire Likelihood	About 1 in 565 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 244 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	5,000 / 5,000
Xfinity	Cable	1,200 / 35
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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