Polk County property record for 963 Downing Cir, Davenport, FL 33897
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,936 sqft · built 1996 |
| Lot Size | 0.115 acres (4,992 sqft) |
| Owner | Individual Name on File |
| Last Sale | $255,000 (Dec 2019) |
| Tax Bill | $4,057 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-25-12-488054-001130 |
| Primary APN | 26-25-12-488054-001130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,936 sqft Living Area |
| Gross Area | 2,364 sqft |
| 1st Floor Area | 1,367 sqft |
| Upper Floors Area | 569 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 4,992 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 428 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 288 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 83 sqft |
| Cooling System | Central |
|---|
| Street Address | 963 DOWNING CIR |
|---|---|
| City | DAVENPORT |
| State | FL |
| Zip | 33897-8530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE DAVENPORT ESTATES WEST PHASE ONE PB 96 PG 35 & 36 LOT 113 |
| Legal Range | 26E |
| Legal Township | 25S |
| Legal Section | 12 |
| Legal Subdivision | LAKE DAVENPORT ESTATES WEST PHASE 01 |
| Legal Phase | 1 |
| Legal Tract | 488054 |
| Legal Block | 1 |
| Legal Lot Number | 113 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 12415 |
963 Downing Cir is owned and occupied by an individual who bought it in December 2019.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 963 DOWNING CIR, DAVENPORT, FL 33897-8530 |
| 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.
| Date | Document |
|---|---|
| Feb 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 9, 2019 | Warranty Deed, Transfer · FHA Mortgage INTERCONTINENTAL CAP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 9, 2019 · Amount on File |
| Deed Sale | Dec 9, 2019 · Amount on File |
| Prior Sale | Apr 26, 2016 · Amount on File |
| Deed Document Number | 2019260895 |
| Deed Book / Page | 11068 / 1787 |
| Prior Transfer Date | Apr 12, 2016 |
| Prior Transfer Doc | 0000072802 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 963 DOWNING CIR, DAVENPORT, FL 33897-8530 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 410 SW 75TH WAY, NORTH LAUDERDALE, FL 33068-1370 |
| Document Number | 0000041306 |
|---|---|
| Date | Feb 15, 2022 |
| Book Page | 12117/1664 |
| Instrument | 2022041306 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 9, 2019 |
| Property Address | 963 DOWNING CIR, DAVENPORT, FL 33897-8530 |
| Document Number | 0110681787 |
| Book / Page | 011068 / 001787 |
| Instrument Date | Nov 21, 2019 |
| Instrument | 260895 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2019 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 963 DOWNING CIR DAVENPORT FL 338978530, DAVENPORT, FL 33897-8530 |
| Document Number | 110681791 |
|---|---|
| Date | Dec 9, 2019 |
| Book Page | 011068/001791 |
| Instrument | 260897 |
| Name | INTERCONTINENTAL CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 8, 2049 |
The 2025 property tax bill for 963 Downing Cir was $4,057, down 11.1% 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 | $307,614 (+0.14%) Land $50,000 Building $257,614 | $307,614 (-4.91%) Land $50,000 Building $257,614 | |
| 2025 | $4,057.00 (-11.09%) | $307,178 | $323,498 Land $50,000 Building $273,498 |
| 2024 | $4,563.00 (+8.31%) | ||
| 2023 | $4,213.00 (+12.5%) | $314,035 (+20.25%) Land $48,000 Building $266,035 | $314,035 (+20.25%) Land $48,000 Building $266,035 |
| 2022 | $3,745.00 | $261,160 Land $40,000 Building $221,160 | $261,160 Land $40,000 Building $221,160 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 963 Downing Cir in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 11 in force |
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 963 Downing Cir is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 368 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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