Polk County property record for 632 Cotswold Cir, Davenport, FL 33837
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,140 sqft · built 2002 |
| Lot Size | 0.126 acres (5,502 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $128,000 (Feb 2003) |
| Tax Bill | $3,847 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-26-18-704453-000880 |
| Primary APN | 27-26-18-704453-000880 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,140 sqft Living Area |
| Gross Area | 2,560 sqft |
| 1st Floor Area | 2,140 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 5,502 sqft (0.126 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 20 sqft |
| Patio Area | 27 sqft |
| Street Address | 632 COTSWOLD CIR |
|---|---|
| City | DAVENPORT |
| State | FL |
| Zip | 33837-8891 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNSET RIDGE PHASE I PB 118 PGS 27-29 LOT 88 |
| Legal Range | 27E |
| Legal Township | 26S |
| Legal Section | 18 |
| Legal Subdivision | SUNSET RIDGE PHASE 1 |
| Legal Phase | I |
| Legal Tract | 704453 |
| Legal Block | 3 |
| Legal Lot Number | 88 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 12411 |
632 Cotswold Cir is owned by two individuals who bought it in February 2003.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 RIDERS LOOP, AUBURNDALE, FL 33823-9691 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 3, 2003 · Amount on File |
| Deed Sale | Feb 3, 2003 · Amount on File |
| Deed Document Number | 200321681 |
| Deed Book / Page | 5250 / 1065 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 632 COTSWOLD CIR, DAVENPORT, FL 33837-8891 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2021 |
| Title Company | GOLDSTAR TITLE, GOLD STAR TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000028694 |
|---|---|
| Date | Feb 3, 2021 |
| Book Page | 11566/359 |
| Instrument | 2021028694 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2036 |
The 2025 property tax bill for 632 Cotswold Cir was $3,847.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $313,320 (+5.28%) Land $42,000 Building $271,320 | $313,320 (+5.28%) Land $42,000 Building $271,320 | |
| 2025 | $3,847.00 | $297,593 Land $42,000 Building $255,593 | $297,593 Land $42,000 Building $255,593 |
| 2023 | $1,153.00 (+5.3%) Homeowner's exemption | $96,457 (+3%) | $297,621 (+14.68%) Land $40,000 Building $257,621 |
| 2022 | $1,095.00 Homeowner's exemption | $93,648 | $259,525 Land $34,000 Building $225,525 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 632 Cotswold Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.
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 |
| Flood Insurance Cost | Premium on File median of 46 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 2 (2017–2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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 risk around 632 Cotswold Cir is low, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 256 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 |
May also be available: Frontier, T-Mobile, Verizon, Xfinity.
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