438 Rona Ln, Davenport, FL 33897 Property Records

Polk County property record for 438 Rona Ln, Davenport, FL 33897

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,271 sqft · built 2004
Lot Size	0.121 acres (5,288 sqft)
Owner	2 Individual Names on File
Last Sale	$260,500 (May 2019)
Tax Bill	$2,574 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-25-36-999984-000400`

Property Details

APN / Parcel Number

Primary APN	`26-25-36-999984-000400`
Alternative APNs	`362526999984000400` `62526000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,271 sqft Living Area
Gross Area	2,712 sqft
1st Floor Area	1,107 sqft
Upper Floors Area	1,164 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,288 sqft (0.121 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Pool Type	Enclosed Pool
Porch	Unfinished Open Porch
Porch Area	163 sqft

Location & Zoning

Street Address	438 RONA LN
City	DAVENPORT
State	FL
Zip	33897-7460
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SANTA CRUZ PHASE TWO PB 115 PGS 39 & 40 LOT 40
Legal Range	26E
Legal Township	25S
Legal Section	36
Legal Subdivision	SANTA CRUZ PHASE TWO
Legal Phase	2
Legal Tract	999984
Legal Block	3
Legal Lot Number	40
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	3
Census Block	3011
Census Tract	12405

Owner

438 Rona Ln is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	438 RONA LN, DAVENPORT, FL 33897-7460
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
Feb 13, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 10, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 9, 2019	Warranty Deed, Transfer · FHA Mortgage GATEWAY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2019 · Amount on File
Deed Sale	May 9, 2019 · Amount on File
Prior Sale	May 29, 2009 · Amount on File
Deed Document Number	201995734
Deed Book / Page	10836 / 2217
Prior Transfer Date	Apr 3, 2008
Prior Transfer Doc	0000131021
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	438 RONA LN, DAVENPORT, FL 33897-7460
Transaction Type	Mortgage
Record Updated	Feb 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 RONA LN, DAVENPORT, FL 33897-7460

Mortgage

Document Number	0000034232
Date	Feb 13, 2024
Book Page	13005/1267
Instrument	2024034232

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	304 Months
Due	Jun 1, 2049

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	438 RONA LN, DAVENPORT, FL 33897-7460
Transaction Type	Mortgage
Record Updated	Jun 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 RONA LN, DAVENPORT, FL 33897-7460

Mortgage

Document Number	0000159447
Date	Jun 10, 2022
Book Page	12292/519
Instrument	2022159447

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jun 1, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 9, 2019
Property Address	438 RONA LN, DAVENPORT, FL 33897-7460
Document Number	0108362217
Book / Page	010836 / 002217
Instrument Date	May 3, 2019
Instrument	95734
Transaction Type	Transfer
Record Updated	May 21, 2019
Title Company	TITLE TEAM LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,823.50
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	438 RONA LN DAVENPORT FL 338977460, DAVENPORT, FL 33897-7460

Mortgage

Document Number	108362218
Date	May 9, 2019
Book Page	010836/002218
Instrument	95735

Lender

Name	GATEWAY MTG
Type	Mortgage Company
Address	JENKS, OK 74037-3448

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 8, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 438 Rona Ln was $2,574 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		$245,754 (+2.7%)	$336,287 (+1.97%) Land $52,000 Building $284,287
2025	$2,574.00 Homeowner's exemption	$239,293	$329,774 Land $52,000 Building $277,774
2023	$2,915.00 (+3.04%) Homeowner's exemption	$225,776 (+3%)	$345,722 (+32.54%) Land $50,000 Building $295,722
2022	$2,829.00 Homeowner's exemption	$219,200	$260,834 Land $42,000 Building $218,834

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

Flood

FEMA maps place 438 Rona Ln 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 438 Rona Ln is low, with a 0.04% 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	0.04% 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 420 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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