Polk County property record for 645 Bent Oak Loop, Davenport, FL 33837
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,381 sqft · built 1997 |
| Lot Size | 0.229 acres (9,975 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Dec 2002) |
| Tax Bill | $683 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-26-10-701301-000240 |
| Primary APN | 27-26-10-701301-000240 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,381 sqft Living Area |
| Gross Area | 1,781 sqft |
| 1st Floor Area | 1,381 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 9,975 sqft (0.229 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 188 sqft |
| Cooling System | Central |
|---|
| Street Address | 645 BENT OAK LOOP |
|---|---|
| City | DAVENPORT |
| State | FL |
| Zip | 33837-5789 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNRIDGE WOODS PH 3 PB 98 PGS 2 & 3 LOT 24 |
| 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 | 24 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 12506 |
645 Bent Oak Loop is owned and occupied by an individual who bought it in December 2002.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 645 BENT OAK LOOP, DAVENPORT, FL 33837-5789 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 20, 2002 · Amount on File |
| Deed Sale | Dec 20, 2002 · Amount on File |
| Prior Sale | Dec 20, 2002 |
| Deed Book / Page | 5206 / 2251 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 645 Bent Oak Loop was $683 with a homeowner's exemption.
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 | $95,546 (+2.7%) | $241,482 (-6.75%) Land $52,000 Building $189,482 | |
| 2025 | $683.00 Homeowner's exemption | $93,034 | $258,973 Land $52,000 Building $206,973 |
| 2023 | $1,157.00 (+5.95%) Homeowner's exemption | $87,779 (+3%) | $259,675 (+15.06%) Land $50,000 Building $209,675 |
| 2022 | $1,092.00 Homeowner's exemption | $85,222 | $225,684 Land $42,000 Building $183,684 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 Bent Oak Loop in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 23 policies |
| 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 · Hurricane Frances |
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 645 Bent Oak Loop is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 244 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 |
| Verizon Fixed Wireless | 300 / 20 |
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