517 Kettering Rd, Davenport, FL 33897 Property Records

Polk County property record for 517 Kettering Rd, Davenport, FL 33897

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,396 sqft · built 2005
Lot Size	0.164 acres (7,139 sqft)
Owner	Individual Name on File
Last Sale	$510,000 (Jul 2023)
Tax Bill	$4,482 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-25-11-486251-001730`

Property Details

APN / Parcel Number

Primary APN	`26-25-11-486251-001730`
Alternative APNs	`112526486251001730` `12526000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,396 sqft Living Area
Gross Area	3,837 sqft
1st Floor Area	1,586 sqft
Upper Floors Area	1,810 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	7,139 sqft (0.164 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Pool Type	Enclosed Pool
Porch	Finished/Open Porch
Porch Area	115 sqft

Location & Zoning

Street Address	517 KETTERING RD
City	DAVENPORT
State	FL
Zip	33897-7744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEGACY PARK - PHASE TWO PB 127 PGS 16-18 LOT 173
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	173
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	2
Census Block	2000
Census Tract	12412

Owner

517 Kettering Rd is owned and occupied by an individual who bought it in July 2023.

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	Individual Name on File
Mailing Address	517 KETTERING RD, DAVENPORT, FL 33897-7744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2023	Warranty Deed, Transfer · Conventional Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Sep 24, 2020	Warranty Deed, Transfer · Conventional Mortgage A&D MTG
May 12, 2017	Warranty Deed, Transfer · Conventional Mortgage GENEVA FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2023 · Amount on File
Deed Sale	Jul 13, 2023 · Amount on File
Prior Sale	Sep 24, 2020 · Amount on File
Deed Document Number	2023162171
Deed Book / Page	12760 / 1204
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 13, 2023
Property Address	517 KETTERING RD, DAVENPORT, FL 33897-7744
Document Number	0000162171
Book / Page	12760 / 1204
Map Reference	MB 127 PG 16
Instrument Date	Jun 29, 2023
Instrument	2023162171
Transaction Type	Transfer
Record Updated	Jul 27, 2023
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	517 KETTERING RD, DAVENPORT, FL 33897-7744

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 HOOVER RD, YONKERS, NY 10710-3407

Mortgage

Document Number	0127601207
Date	Jul 13, 2023
Instrument	12760/1207

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 24, 2020
Property Address	517 KETTERING RD, DAVENPORT, FL 33897-7744
Document Number	0113880119
Book / Page	011388 / 000119
Instrument Date	Sep 1, 2020
Instrument	200240
Transaction Type	Transfer
Record Updated	Oct 12, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,226.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 KETTERING RD DAVENPORT FL 338977744, DAVENPORT, FL 33897-7744

Mortgage

Document Number	113880120
Date	Sep 24, 2020
Book Page	011388/000120
Instrument	200241

Lender

Name	A&D MTG
Address	HOLLYWOOD, FL 33020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 12, 2017
Property Address	517 KETTERING RD, DAVENPORT, FL 33897-7744
Document Number	0101451959
Book / Page	010145 / 001959
Instrument Date	May 10, 2017
Instrument	91348
Transaction Type	Transfer
Record Updated	Mar 19, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	517 KETTERING RD DAVENPORT FL 338977744, DAVENPORT, FL 33897-7744

Mortgage

Document Number	101451961
Date	May 12, 2017
Book Page	010145/001961
Instrument	91349

Lender

Name	GENEVA FIN'L
Type	Funding / Finance Company
Address	TEMPE, AZ 85283

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 11, 2047

Interest

Rate Type	Adjustable Rate
Rate	8%

Tax Assessment & Valuation

The 2025 property tax bill for 517 Kettering Rd was $4,482 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		$369,220 (-4.57%) Land $74,000 Building $295,220	$369,220 (-4.57%) Land $74,000 Building $295,220
2025	$4,482.00 Homeowner's exemption	$386,900 Land $74,000 Building $312,900	$386,900 Land $74,000 Building $312,900
2023	$3,522.00 (+2.62%) Homeowner's exemption	$283,498 (+3%)	$402,973 (+19.65%) Land $72,000 Building $330,973
2022	$3,432.00 Homeowner's exemption	$275,241	$336,803 Land $60,000 Building $276,803

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

Flood

FEMA maps place 517 Kettering Rd 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 A, within 500 ft
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 517 Kettering Rd is moderate, ranking above 66% 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 66% of the US · above 44% 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 120 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

May also be available: Hotwire Communications, Verizon.

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