Polk County property record for 838 Opal Ct, Davenport, FL 33837
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,582 sqft · built 2019 |
| Lot Size | 0.151 acres (6,595 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $227,330 (Mar 2019) |
| Tax Bill | $3,693 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-27-05-726007-000490 |
| Primary APN | 27-27-05-726007-000490 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,582 sqft Living Area |
| Gross Area | 1,982 sqft |
| 1st Floor Area | 1,582 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 6,595 sqft (0.151 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 62 sqft |
| Street Address | 838 OPAL CT |
|---|---|
| City | DAVENPORT |
| State | FL |
| Zip | 33837-7710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GOLDEN RIDGE PB 167 PGS 24-27 LOT 49 |
| Legal Range | 27E |
| Legal Township | 27S |
| Legal Section | 05 |
| Legal Subdivision | GOLDEN RIDGE |
| Legal Block | 1 |
| Legal Lot Number | 49 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 12515 |
Source: Polk County records · APN 27-27-05-726007-000490
Assessment roll updated June 23, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 838 OPAL CT, DAVENPORT, FL 33837-7710 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Feb 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Mar 18, 2019 | Grant Deed, Subdivision Related Transfer · FHA Mortgage FBC MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 18, 2019 · Amount on Record |
| Deed Sale | Mar 18, 2019 · Amount on Record |
| Deed Document Number | 201953087 |
| Deed Book / Page | 10779 / 2212 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 838 OPAL CT, DAVENPORT, FL 33837-7710 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 838 OPAL CT, DAVENPORT, FL 33837-7710 |
| Document Number | 0000048001 |
|---|---|
| Date | Feb 25, 2021 |
| Book Page | 11594/2137 |
| Instrument | 2021048001 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 350 Months |
| Due | Apr 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 838 OPAL CT, DAVENPORT, FL 33837-7710 |
| Document Number | 0112180782 |
| Instrument Date | Feb 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 838 OPAL CT DAVENPORT FL 338377710, DAVENPORT, FL 33837-7710 |
| Document Number | 0112180782 |
|---|---|
| Date | Apr 28, 2020 |
| Book Page | 011218/000782 |
| Instrument | 86965 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 27, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 18, 2019 |
| Property Address | 838 OPAL CT, DAVENPORT, FL 33837-7710 |
| Document Number | 0107792212 |
| Book / Page | 010779 / 002212 |
| Instrument Date | Feb 05, 2019 |
| Instrument | 53087 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 02, 2019 |
| Title Company | PSH TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,591.31 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 838 OPAL CT DAVENPORT FL 338377710, DAVENPORT, FL 33837-7710 |
| Document Number | 107792214 |
|---|---|
| Date | Mar 18, 2019 |
| Book Page | 010779/002214 |
| Instrument | 53088 |
| Name | FBC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 17, 2049 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Davenport City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,693.00 (+4.41%) Homeowner's exemption | $239,499 (+5.99%) | $277,518 (-6.47%) Land $58,000 Building $219,518 |
| 2023 | $3,537.00 (-0.79%) Homeowner's exemption | $225,970 (+3%) | $296,723 (+10.32%) Land $56,000 Building $240,723 |
| 2022 | $3,565.00 Homeowner's exemption | $219,388 | $268,963 Land $46,000 Building $222,963 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), as of October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050125151, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 25 in force |
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile USA, Verizon.
Based on FCC filings for 340 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL6530431, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF DAVENPORT serves 9,043 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2023 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 7 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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