Polk County property record for 7876 Oak Reflection Loop, Davenport, FL 33837
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 5 ba · 3,626 sqft · built 2023 |
| Lot Size | 0.14 acres (6,085 sqft) |
| Owner | Company Name on File |
| Last Sale | $662,075 (Feb 2023) |
| Tax Bill | $8,215 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-26-10-701311-001220 |
| Primary APN | 27-26-10-701311-001220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 2 Stories |
| Building Area | 3,626 sqft Living Area |
| Gross Area | 4,306 sqft |
| 1st Floor Area | 1,796 sqft |
| Upper Floors Area | 1,830 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Tile |
| Lot Area | 6,085 sqft (0.14 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Pool Type | Enclosed Pool |
| Porch | Florida Room |
| Street Address | 7876 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 122 |
| Legal Range | 27E |
| Legal Township | 26S |
| Legal Section | 10 |
| Legal Subdivision | SOLTERRA PHASE 2D |
| Legal Block | 1 |
| Legal Lot Number | 122 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 12506 |
7876 Oak Reflection Loop is owned by a company that bought it in February 2023.
Source: Polk County records, as of October 19, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1012 E OSCEOLA PKWY, 5, KISSIMMEE, FL 34744-1607 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 3, 2023 | Special Warranty Deed, Transfer · Conventional Mortgage CITY NATIONAL BANK OF FLORIDA |
| May 8, 2020 | Deed of Trust, Mortgage PRIVATE INDIVIDUAL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 3, 2023 · Amount on File |
| Deed Sale | Feb 3, 2023 · Amount on File |
| Deed Document Number | 202327122 |
| Deed Book / Page | 12572 / 663 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 3, 2023 |
| Property Address | 7876 OAK REFLECTION LOOP, DAVENPORT, FL 33837 |
| Document Number | 0000027122 |
| Book / Page | 12572 / 663 |
| Map Reference | MB 177 PG 17-24 |
| Instrument Date | Jan 30, 2023 |
| Instrument | 2023027122 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2024 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,634.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7835 OSCEOLA POLK LINE RD, DAVENPORT, FL 33896-9100 |
| Name | Verified Name |
|---|---|
| Address | 1012 E OSCEOLA PKWY # 5, 5, KISSIMMEE, FL 34744-1607 |
| Document Number | 0012572666 |
|---|---|
| Date | Feb 3, 2023 |
| Instrument | 12572/666 |
| Name | CITY NATIONAL BANK OF FLORIDA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Feb 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 5.62% |
| Max Rate At Change | 10.6% |
| Index | Other |
| Max Rate | 10.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 7876 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 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14025 RIVEREDGE DR #175 TAMPA FL 336372001, 175, TAMPA, FL 33637-2001 |
| Document Number | 0112600343 |
|---|---|
| Date | Jun 10, 2020 |
| Book Page | 011260/000343 |
| Instrument | 114699 |
| Name | PRIVATE INDIVIDUAL |
|---|---|
| Type | Private Party |
| Address | ORLANDO, FL 32822 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 7876 Oak Reflection Loop was $8,215, down 35.3% from the year before.
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 | $692,515 (+8.99%) Land $80,000 Building $612,515 | $692,515 (+8.99%) Land $80,000 Building $612,515 | |
| 2025 | $8,215.00 (-35.34%) | $635,399 Land $80,000 Building $555,399 | $635,399 Land $80,000 Building $555,399 |
| 2024 | $12,704.00 (+138.66%) | ||
| 2023 | $5,323.00 (+6.59%) | $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.
FEMA maps place 7876 Oak Reflection 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 AE, within 500 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 7876 Oak Reflection Loop is moderate, ranking above 52% 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 52% of the US · lower than 77% 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.
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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