646 Legacy Loop, Davenport, FL 33896 Property Records

Polk County property record for 646 Legacy Loop, Davenport, FL 33896

Property Summary

Property Type	Townhouse
Details	3 bd · 2 ba · 1,496 sqft · built 2022
Lot Size	0.039 acres (1,699 sqft)
Owner	Company Name on File
Last Sale	$328,000 (Jan 2023)
Tax Bill	$3,361 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-26-03-701065-000280`

Property Details

APN / Parcel Number

Primary APN	`27-26-03-701065-000280`
Alternative APN	`032627701065000280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,496 sqft Living Area
Gross Area	1,756 sqft
1st Floor Area	618 sqft
Upper Floors Area	878 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Townhouse
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	1,699 sqft (0.039 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	260 sqft
Porch	Finished/Open Porch
Porch Area	42 sqft

Location & Zoning

Street Address	646 LEGACY LOOP
City	DAVENPORT
State	FL
Zip	33896-8413
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LEGACY UNION TOWNHOMES PB 190 PGS 28-31 LOT 28
Legal Subdivision	LEGACY UNION TOWNHOMES
Legal Block	2
Legal Lot Number	28
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	2
Census Block	2000
Census Tract	12506

Owner

646 Legacy Loop, a townhouse, is owned by a company that bought it in January 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	Company Name on File
Mailing Address	16411 TALIESIN ST, WINTER GARDEN, FL 34787-9549
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2023 · Amount on File
Deed Sale	Jan 13, 2023 · Amount on File
Deed Document Number	202310932
Deed Book / Page	12551 / 1630
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 13, 2023
Property Address	646 LEGACY LOOP, DAVENPORT, FL 33896-8413
Document Number	0000010932
Book / Page	12551 / 1630
Map Reference	MB 190 PG 28-31
Instrument Date	Jan 12, 2023
Instrument	2023010932
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	CAREFREE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,296.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5337 MILLENIA LAKES BLVD STE 410, 410, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16411 TALIESIN ST, WINTER GARDEN, FL 34787-9549

Mortgage

Document Number	0125511633
Date	Jan 13, 2023
Instrument	12551/1633

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	1-Year T-Bill
Max Rate	12.3%

Tax Assessment & Valuation

The 2025 property tax bill for 646 Legacy Loop was $3,361, down 19.3% from the year before.

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		$239,000 (-8.08%) Land $100 Building $238,900	$239,000 (-8.08%) Land $100 Building $238,900
2025	$3,361.00 (-19.28%)	$260,000 Land $100 Building $259,900	$260,000 Land $100 Building $259,900
2024	$4,164.00 (+1.68%)
2023	$4,095.00 (+1,499.61%)	$276,000 (+1,329.46%) Land $100 Building $275,900	$276,000 (+1,329.46%) Land $100 Building $275,900
2022	$256.00	$19,308 Land $19,308	$19,308 Land $19,308

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 646 Legacy Loop 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
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
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

Wildfire risk around 646 Legacy Loop is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% 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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20