454 Kettering Rd, Davenport, FL 33897 Property Records

Polk County property record for 454 Kettering Rd, Davenport, FL 33897

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,097 sqft · built 2005
Lot Size	0.149 acres (6,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$177,000 (Oct 2009)
Tax Bill	$1,955 (2025)
Deeds & Mortgages	May 2026 Line of Credit Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-25-11-486251-001230`

Property Details

APN / Parcel Number

Primary APN	`26-25-11-486251-001230`
Alternative APNs	`112526486251001230` `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	6,499 sqft (0.149 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Pool Type	Enclosed Pool
Porch	Florida Room
Porch Area	202 sqft

Location & Zoning

Street Address	454 KETTERING RD
City	DAVENPORT
State	FL
Zip	33897-7741
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEGACY PARK - PHASE TWO PB 127 PGS 16-18 LOT 123
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	123
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	2
Census Block	2019
Census Tract	12412

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	454 KETTERING RD, DAVENPORT, FL 33897-7741
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT
Nov 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage RP FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2009 · Amount on Record
Deed Sale	Oct 30, 2009 · Amount on Record
Prior Sale	May 29, 2009 · Amount on Record
Deed Document Number	2009194044
Deed Book / Page	8005 / 823
Prior Transfer Date	Jan 12, 2009
Prior Transfer Doc	0000100197
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	May 4, 2026
Property Address	454 KETTERING RD, DAVENPORT, FL 33897-7741
Document Number	0000104903
Book / Page	13981 / 1095
Instrument Date	Apr 23, 2026
Instrument	2026104903
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 KETTERING RD, DAVENPORT, FL 33897-7741

Mortgage

Document Number	0000104903,
Date	May 4, 2026
Book Page	13981/1095
Instrument	2026104903

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.38%
Max Rate	-1%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	454 KETTERING RD, DAVENPORT, FL 33897-7741
Document Number	0103241099
Book / Page	010324 / 001099
Instrument Date	Nov 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	454 KETTERING RD DAVENPORT FL 338977741, DAVENPORT, FL 33897-7741

Mortgage

Document Number	0103241099
Date	Nov 28, 2017
Book Page	010324/001099
Instrument	227353

Lender

Name	RP FNDG
Type	Funding / Finance Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 27, 2037

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		$196,603 (+2.7%)	$356,632 (-4.33%) Land $74,000 Building $282,632
2025	$1,955.00 (-12.06%) Homeowner's exemption	$191,434 (+5.99%)	$372,756 (-3.49%) Land $74,000 Building $298,756
2024	$2,223.00 (+2.35%)
2023	$2,172.00 (+3.13%) Homeowner's exemption	$180,620 (+3%)	$386,218 (+19.52%) Land $72,000 Building $314,218
2022	$2,106.00 Homeowner's exemption	$175,359	$323,154 Land $60,000 Building $263,154

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
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

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	0.1% 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 580 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 / 1,000

May also be available: Hotwire Communications, T-Mobile, Verizon.

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