7828 Oak Reflection Loop, Davenport, FL 33837 Property Records

Polk County property record for 7828 Oak Reflection Loop, Davenport, FL 33837

Property Summary

Property Type	Single Family Home
Details	7 bd · 5 ba · 3,270 sqft · built 2023
Lot Size	0.14 acres (6,103 sqft)
Owner	Individual Name on Record
Last Sale	$708,075 (Jun 2023)
Tax Bill	$7,376 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-26-10-701311-001300`

Property Details

APN / Parcel Number

Primary APN	`27-26-10-701311-001300`
Alternative APNs	`102627701311001300` `02627000`

Interior

Bedrooms	7 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,270 sqft Living Area
Gross Area	3,950 sqft
1st Floor Area	1,802 sqft
Upper Floors Area	1,468 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Tile
Lot Area	6,103 sqft (0.14 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Pool Type	Enclosed Pool
Porch	Florida Room

Location & Zoning

Street Address	7828 OAK REFLECTION LOOP
City	DAVENPORT
State	FL
Zip	33837
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOLTERRA PHASE 2D PB 177 PGS 17-24 LOT 130
Legal Range	27E
Legal Township	26S
Legal Section	10
Legal Subdivision	SOLTERRA PHASE 2D
Legal Block	1
Legal Lot Number	130
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1015
Census Tract	12506

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	Individual Name on Record
Mailing Address	343 BLEECKER ST, BROOKLYN, NY 11237-5204
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2023	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PMAC LENDING SERVICES INC
May 8, 2020	Deed of Trust, Mortgage PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2023 · Amount on Record
Deed Sale	Jun 9, 2023 · Amount on Record
Deed Document Number	2023135948
Deed Book / Page	12723 / 2062
Record Updated	Oct 29, 2026

June 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 9, 2023
Property Address	7828 OAK REFLECTION LOOP, DAVENPORT, FL 33837
Document Number	0000135948
Book / Page	12723 / 2062
Map Reference	MB 177 PG 17-24
Instrument Date	May 18, 2023
Instrument	2023135948
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 22, 2023
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,956.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7835 OSCEOLA POLK LINE RD, DAVENPORT, FL 33896-9100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	343 BLEECKER ST, BROOKLYN, NY 11237-5204

Mortgage

Document Number	0127232063
Date	Jun 9, 2023
Instrument	12723/2063

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.12%
Type Change Date	Jun 1, 2030
Change Frequency	6 Months
Min Rate At Change	8.12%
Max Rate At Change	13.1%
Index	Other
Margin	4
Max Rate	13.1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	7828 OAK REFLECTION LOOP, DAVENPORT, FL 33837
Document Number	0112600343
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Dec 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14025 RIVEREDGE DR #175 TAMPA FL 336372001, 175, TAMPA, FL 33637-2001

Mortgage

Document Number	0112600343
Date	Jun 10, 2020
Book Page	011260/000343
Instrument	114699

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	ORLANDO, FL 32822

Agreement

Amount	Amount Recorded

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		$594,241 (+4.16%) Land $80,000 Building $514,241	$594,241 (+4.16%) Land $80,000 Building $514,241
2025	$7,376.00 (+45.91%)	$570,512 (+660.68%) Land $80,000 Building $490,512	$570,512 (+660.68%) Land $80,000 Building $490,512
2023	$5,055.00 (+1.22%)	$75,000 (-) Land $75,000	$75,000 (-) Land $75,000
2022	$4,994.00	$75,000 Land $75,000	$75,000 Land $75,000

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.3% 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 397 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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